Integra Insurance Services Blog

All You Ever Wanted to Know About Insurance

Different Types of Deductibles

Health insurance is much like a foreign language in that it really is a completely different lexicon to most. If you do not understand how to translate, the miscommunication could easily cause a panic when it comes time...

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Post-Halloween, Pre-Thanksgiving

This might seem untimely as Halloween has already passed but Thanksgiving is right around the corner. And if your office is anything like mine, there are definitely remnants of Halloween lingering about the kitchen. The...

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Fire Prevention Week

The history of National Fire Prevention Week has its roots in the Great Chicago Fire, that occurred on October 9, 1871. The final tally was staggering: More than 250 people dead, 100,000 homeless, 17,400 structures...

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Healthy Eating Plate

I read an interesting article today from another blog, which touches on an article I wrote back in June about your lifestyle being just as important as any diet out there. What I failed to mention was the US Department...

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UHC Prescriptions: Refill & Save

Refill and Save Program - United Healthcare's Refill and Save program allows members to receive a $20 discount on their copay when they refill their prescription within a specified amount of time. For a typical 30 day...

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COBRA Continuation Coverage Assistance Under ARRA

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HSA Annual Contribution Limits Announced

For calendar year 2012, the annual limitation on deductions under § 223(b)(2)(A) for an individual with self-only coverage under a high deductible health plan is $3,100. For calendar year 2012, the annual limitation on...

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Insurance Carriers to Cover Birth Control with No Copays

As recently as the 1990s, many health insurance plans didn't even cover birth control. Protests, court cases, and new state laws led to dramatic changes. Today, almost all plans cover prescription contraceptives - with...

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Farmers Markets - An Adventure in Wellness

Farmers Markets have gained considerable popularity in recent years. With the option to support your local community, obtain fresh fruits and vegetables along with a myriad of other items ranging from flowers to jewelry,...

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W-2 Reporting: What Employers Need to Know

You've probably heard that employers will be required to report the cost of employer-sponsored health benefits on W-2 forms. Here are a few questions and answers about W-2 reporting and what employers need to know: - ...

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It's Not a Diet, It's a Lifestyle

The thought on most people's minds when summers hits, or perhaps fear, is the ever-looming swimsuit season. How did it arrive so fast this year? Was not it just January? Surely you had more time to change your habits to...

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Summary of Changes to Health Care Reform

March 2011 marked the one-year anniversary of the Affordable Care Act being signed into law--and several requirements have changed since it was first enacted. The following summary provides a look at seven key changes...

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Individual and Family Medical Insurance Options

There are solutions for people who do not have the availability of insurance coverage continuation through their former employer via COBRA. Remember that COBRA is not an insurance plan. COBRA is a federal law that...

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Individual and Family Medical Insurance Options

There are solutions for people who do not have the availability of insurance coverage continuation through their former employer via COBRA. Remember that COBRA is not an insurance plan. COBRA is a federal law that...

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10 Simple Ways to Stretch Your Health Care Dollars

No matter where you turn- whether in the local coffee shop, the nightly news or a Facebook status, the rising cost of health care and the overwhelming effects it is having on individuals and employers alike is on...

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Home Delivery Pharmacy (Mail Order Programs)

This week, we look at another way to manage your insurance to glean the greatest benefit. Designed especially for individuals who take prescription medications on an ongoing basis, home delivery pharmacy (also known as...

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Use Your Insurance Wisely

Learning the best way to utilize your insurance plan will allow you to reap the rewards. A common mistake I think we can all agree we have made at one time or another is choosing to go to the emergency room, when in...

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Keep Your Best Employees on Your Payroll

Employee turnover is a substantial expense for most employers. After all, a great deal of time and money goes into recruiting and training employees. There is also a certain degree of productivity loss from the learning...

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FAQs Re: Affordable Care Act Implementation Part VI

The Department of Labor created a frequently asked questions section regarding employee benefits security administration. The questions and answers have been prepared by the Departments of Health and Human Services (...

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HSA Deadline

Tax day is rapidly approaching, which also means important deadlines regarding Health Savings Accounts (HSAs) are also rapidly approaching. Maximize your contribution benefits by contributing the maximum amount for...

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Premium Payments & You!

There is a new law regarding premium payments (CA AB 2470) which directly affects your coverage. Simply put, this bill states that premiums are due on the first of the month of coverage and if payment is not received by...

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Health Net Mobile & Beginnings

Every now and again, an insurance carrier creates something useful for its members. Today, we learned about the steps that Health Net took to empower their members: Health Net Mobile and Health Net Beginnings. Health...

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Health Care Reform: PPACA Guidance on W-2 Reporting

IRS issues PPACA guidance on W-2 reporting - The IRS emphasized that the new reporting to employees is for their information only, to inform them of the cost of their health coverage, and does not cause excludable...

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New Website Design!

As Michael Buble says- "it's a new dawn, it's a day...and I'm feeling good." We find ourselves not only feeling good but ecstatic, officially launching our new website design today. In addition to the clean aesthetic,...

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Health Care Reform: The Latest on PPACA

Complying with the many complex provisions of the Patient Protections and Affordable Care Act has been challenging, to say the least. We continue to wait for federal regulations to be released providing guidance and...

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