Integra Insurance Services Blog

All You Ever Wanted to Know About Insurance

Keep Pets Happy and Safe on Vacation

You’re not just imagining it—a lot of people are traveling with their pets these days. According to a TripAdvisor survey of more than 1,000 travelers, 53% of those responding said they take their pets on vacation, and...

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Five Common (and Potentially Costly) Homeowner Mistakes

Owning a home is usually a great experience. But it can also be a hassle, especially when unexpected issues pop up-whether you have a minor breakdown or a major catastrophe, it’s almost certainly going to require time...

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Five Ways to Protect Your Personal Electronic Data

Online data breaches are just an unfortunate fact of life now-as the New York Times put it, you might as well assume that your personal information has been taken, because cyberattacks happen all the time. That’s why we...

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Let's Keep Our Lawns and Ourselves Safe

For many of our neighbors, summer means more than sunshine and vacations. It also means working in the yard – often with tools that can be dangerous if not used properly. Each year about 400,000 people are treated for...

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6 Tips for Getting to Work on Two Wheels

Did you know that hundreds of thousands of people in the United States commute to work by bicycle, according to the U.S. Census Bureau? That’s a lot of cars off the road each day, a lot of gasoline saved and a ton of...

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Essential Safety Tips for Nighttime Boating

If you own a boat (or better yet, as the joke goes, you know someone with a boat), you’ve probably thought about spending some evenings on the water - especially in the summertime. It’s a great thought, of course. But,...

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Summer Driving Tips

Summer’s almost here. The sun will come out of hiding, and people will, too. As crowds swell at the beach, in parks, and even on roadways, it all makes for some challenging driving conditions. More people are out and...

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Protecting Your Home: Understanding Your Home Insurance Policy

As a homeowner, one of the most important aspects of your home isn’t something you use daily. And it isn’t something flashy you show off to friends. It’s your homeowners insurance policy, and it protects you in more...

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Do I Need to Tell My Insurance Company If My Dog Bites Someone?

You probably don’t think your dog would ever bite someone, let alone cause a serious injury. But dog bites are more common than you might realize-4.5 million occur every year in the U.S., according to the Centers for...

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HSA Family Contribution Limit Decreased

In an unusual turn of events, the IRS announced yesterday that the family contribution limit for HSAs has decreased to $6,850 from the previous amount of $6,900. This does not impact the individual contribution limit,...

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Protect yourself from Carbon Monoxide at Home and at Work

Every year, according to the Centers for Disease Control and Prevention, hundreds of people in the U.S. die from carbon-monoxide (CO) poisoning-and the invisible, odorless gas sickens thousands more. The numbers seem...

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Insuring Jewelry: How to Know if Your Coverage is Enough

A ring from a loved one. A bracelet handed down through generations. A watch or necklace marking a special occasion. Every reason you treasure a piece of fine jewelry is a reason it should be insured. However, calling...

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Tips for Buying a Safe Car

You’ve heard all the talk about driverless cars - but unfortunately, we’re still years away from living in a world where you just tell your car where to go, kick back and relax with a book (or, more likely, your phone)....

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Why Today’s Homes Burn Faster

From building materials to furnishings, many of the things in your home likely aren’t as flame-resistant as those from yesteryear. A fire in a modern home is a “perfect storm,” according to safety consulting and...

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How to Lower Your Auto Insurance Bill

It’s easy to lower your insurance costs - especially if you have a great driving record, or don’t mind having higher deductibles. Who doesn’t want to pay less for car insurance? Billions of dollars are spent on ad...

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Do You Need Umbrella Insurance?

One of the most certain things in life is uncertainty. Your dog could bite the neighbor’s kid. Your teen driver could hit a cyclist. A guest could fall down your stairs. A rainy morning commute on worn-out tires could...

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Three Ways a Pool May Affect Your Homeowners Insurance

That oh-so-covetable experience of taking a dip in your very own pool? Millions of American households enjoy it, at least when the weather’s nice. With the summer heat ratcheting up, you may be coming down with a...

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Easy to Forget Cleaning Projects

As a busy homeowner, it's easy to fall into the trap of pushing off tasks that maintain the long-term value of your home in favor of more pressing problems. That’s OK, to a point, as certain house-cleaning projects...

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Heavy Rain? Be on the Lookout for Heavy Damage

Your home protects you from the elements, but heavy rains can weaken that protection. With a little maintenance and a lot of vigilance, it’s not hard to stay safe and dry. Spring rainstorms are a fact of life in many...

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Want a Safer Home? Consider these Inexpensive Fixes

Home improvement: It’s a never-ending process for many people, and for those of us who aren’t necessarily handy, it can be a hassle, too. But there are plenty of simple maintenance tasks and other improvements you can...

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2018 HSA Contribution Figures

The IRS set new limits for Health Savings Accounts for 2018. The contribution limits are rising: For individual accounts: rising by $50 to $3,450 (from 2017's $3,400) For family accounts: rising $200 to $6,900 (from...

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Help Your Dog Love Apartment Living

Apartment living can have many advantages: low maintenance, close to work and entertainment, and ease of changing residence. But, if you're a dog owner, apartment living can present some difficulties. You probably won't...

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Health Care Reform - Final Regulations Update June 2017

On April 13, 2017, the Department of Health and Human Services (HHS) issued final regulations to help stabilize the individual and small group markets. These final regulations, effective June 19, 2017, do not...

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Love Bites – Get Umbrella Coverage

In today’s economy, everyone is pinching pennies. So why worry about umbrella coverage? Shouldn’t a home and auto policy leave you adequately covered? Unfortunately, we live in a world of lawsuits. Large damages can be...

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Teen Driving Safety

Talking to Your Teen About Safe Driving When teens begin to drive, according to the National Highway Traffic Safety Administration (NHTSA) and the National Safety Council, the sobering statistics start to pile up:Car...

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Car Shopping With Safety in Mind

You’ve heard all the talk about driverless cars. Yet we’re still years away from living in a world where you can just tell your car where to go and then kick back and relax with a book or your phone. Even still,...

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7 Driving Habits That Are Bad for Your Car

No matter how safe you are behind the wheel, you’ve probably done things like: Shift into drive while the car is still rolling backward. Ride the brakes on steep hills. Roll into the gas station on empty. Guilty? If so,...

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Burglary Prevention: Should You Leave the Lights On?

It seems like a no-brainer to leave the lights on outside your home to deter burglars while you’re away (or even while you’re asleep). But does that really work? Or is it just a waste of electricity — particularly this...

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Which Home Alarms Do You Need?

Technology has made home alarms of all kinds — from security to smoke, radon to radiation — more accessible than ever. Many of them can be configured to work together, and some even alert you to trouble through your...

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Device Insurance: Cover Your Personal Electronics With the Policy You Already Have

It seems everyone these days has a smartphone. Or a smart TV, a tablet, or an ebook reader. Or all of the above – and more. When you add it all up, you may find you have thousands and thousands of dollars tied up in...

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How to Deal With Road Rage

Have you ever noticed that, with roadway anger, it’s always the other guy’s fault? And, it very well could be. The thing is, you can’t control how other people drive. But, you can control how you respond to situations...

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Safety Tips for Your Summer Swims

When the sun is out and the weather’s warm, people flock to the water — whether it’s the beach, a lake, a river or a backyard pool. But, wherever there’s water, there’s also danger. According to the U.S. Centers for...

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Safety Tips for Summer Thrill Seekers

The family summer vacation is a time-honored tradition, and it often includes a trip to one of our country’s incredible amusement parks. But, while the rides and other attractions at these parks are typically safe, it...

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What Should Go in Your Home Safe (or Safe-Deposit Box)?

Spring has arrived, which means it’s time to clean the cobwebs out of the corners, organize the closets and so forth. While you’re at it, don’t forget to revisit the important documents and other items you have in your...

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The Type of Fire Extinguisher Every Home Should Have

A fire is a fire, and a fire extinguisher is a fire extinguisher, right? Well, not quite. There are actually different types of fires and different types of extinguishers that respond best to each one. So, which is...

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2017 HSA Contribution Figures

The IRS announced the 2017 HSA limits today. We are especially excited to see they raised the Individual contributions as it has not changed in 2 years. Here are the details: Out of pocket maximums are unchanged at $...

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Navigate Rainy Roadways With Care

It’s just rain — how much impact can it really have on your driving? The answer: a lot. You’re likely to experience lower visibility, reduced traction and increased difficulty in handling your car both during and after...

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Identity Protection Tips for Tax Season

What’s the most important number for you this tax season? The amount of your refund? The amount you owe? The number of hours spent poring over all the other numbers? All of those are pretty important, but none of them...

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What to Do After a Car Accident in Winter

Freezing temperatures, gusts of wind, patches of ice – winter can be a horrible time to be on the road, especially if you’re on vacation and aren’t used to driving in winter conditions. And, it’s an even worse time to...

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How to Avoid Animal-Vehicle Collisions

About 2 million times every year, animals and cars collide on U.S. roadways — often causing serious and even fatal injuries to drivers and passengers, along with about $1 billion in damage, according to the U.S....

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Thrifty Security: Burglar-Proof Your Home for the Holidays

It's not unusual, when you set out on that holiday trip, to look back at the house a little nervously. Sure, you remembered to lock the doors, but just how secure are things? What might happen while you're away?One way...

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Safe, Secure Shopping: Tips for Black Friday

It's become almost as much a part of Thanksgiving as turkey and football: Black Friday, the morning-after (or in some cases evening-after) shopping spree. It's the biggest shopping day of the year, an event in its own...

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Happy Autumn Times!

Resident fur-baby Zoey recently visited the Employee Benefits office and we couldn't help but share!

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Your Home Maintenance Checklist for Fall

Fall brings more than just changing leaves and shorter days. In many areas, it also comes with a shift in weather conditions that can have a serious impact on your home. And, don’t forget, winter is right around the...

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4 Ways to Help All Children Have a Great School Year

It's back-to-school time, and, if you have school-age children, your household is likely bustling with activity and filling up with books and backpacks. There are other households and school districts in your community,...

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Keep Cool While Keeping Your Energy Costs Down

Two thirds of households in America have air conditioners, according to the U.S. Department of Energy — and they spend a total of $11 billion each year running them. Our guess is that most of those households (which...

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Benefits Team Volunteers at Second Harvest Food Bank

This Wednesday, our Employee Benefits team took some time out of our day to give back to the community by volunteering at Second Harvest Food Bank. The simple gesture of volunteering a few hours of time enables the Food...

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Tips for a Safe Fourth of July — From Food to Fireworks

Memorial Day might be the unofficial start of summer, but Independence Day is when the season truly kicks into high gear. July 4 is a holiday that has something for everyone, whether you like to host (or attend)...

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Supreme Court ACA Subsidy Decision

The Supreme Court has spoken on the King v. Burwell case. In a 6-3 decision, the Supreme Court ruled the Affordable Care Act (ACA) federal tax credits for eligible United States citizens will remain in force. In...

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Commuting by Bike: How to Get to the Office on Two Wheels

There are plenty of great reasons to bike to work: Commuters who ride save money on gas and car insurance, stay fit and help the environment (they don't get stuck in traffic, either). And they even have fun - as long as...

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Getting Your Boat Out of Storage and Into the Water

Spring is here, and you're ready to get out on the water. But is your boat ready? Even if you've kept it properly stored for the winter and protected from the elements, there are still a number of things you need to do...

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Spring Into Home Maintenance Mode in California

Spring is a time for rejuvenation, and, as the weather gets warmer here in Los Gatos, California, and the days grow longer, there's a positive energy in the air. Many people decide it's the perfect time for reorganizing...

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Integra Kicks off Wellness Initiative

Today commences our Benefits office's Walk Across the U.S. Wellness Challenge! The day also corresponds with the American Heart Association's National Walking Day. The average person walks only 900 - 3,000 steps per...

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How to Create Your First Garden This Spring

From genetically modified crops to the environmental and health effects of pesticides, more and more California residents are questioning whether they should grow what they eat. Wherever you stand on the issues...

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Your Dedicated Human Resource Expert

A qualified HR expert's ear and compliance tools are not only appreciated but necessary. That's why Integra continues to provide our Employee Benefits clients with complimentary access to ThinkHR Workplace. ThinkHR is...

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Helping Seniors Have a Wonderful Winter

Slippery sidewalks. Freezing temperatures. Power outages. Winter isn't always a wonderland. If you regularly lend a hand to a senior friend or family member here in California, it may be a good time of the year to...

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Blue Shield and Sutter Health Sign a New Two-Year Contract

Less than a month ago, Blue Shield announced that they were unable to come to an agreement with Sutter Health. The termination which began January 1, 2015, affected all Independent Provider Associates, Medical Groups,...

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The Right Tires for Winter Driving

It's easy to forget about your tires when it comes to vehicle safety. But with winter weather already in many parts of the country, tires are an important aspect you should keep in mind. Your tires can be the difference...

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Holiday Safety Tips for Your Four-Legged Friends

Our pets are like family, so let's make sure they enjoy the holidays with us while staying safe. As a general rule of thumb, always keep pets on a regular routine, even during the holiday season. Don't let regular...

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Make Home Safety a Priority While You’re Away for the Holidays

The holidays can be a great time to get out of town to visit family you rarely get to see, hit the slopes or flee to the beach. Regardless of how you spend your time away, you need to ensure your house stays safe while...

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Health Care FSA increase for 2015

The IRS released the annual inflation adjustments for 2015. Effective January 1, 2015, the maximum for the Health Care FSA will increase to $2,550. 2015 Transit/Parking will stay the same at $130 Transit and $250...

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Essential Safety Tips for Nighttime Boating

If you own a boat (or better yet, as the joke goes, you know someone who does), you've probably thought about spending some evenings on the water - especially in the summertime. It's a great thought, of course. But,...

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Stanford Health Care Terminates Contract with Anthem Blue Cross

Stanford Health Care (formerly known as Stanford University Medical Center) and Anthem Blue Cross have been engaged in contract negotiations for a few months. Unfortunately, an agreement to arrive at reasonable...

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5 Tips for Organizing Your Home for the New School Year

Yes, it's already time to start thinking about school again. Getting a head start can pay big dividends for you and your kids as they head back to class. But, it's not just what they need for school that matters. It's...

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Blue Shield Customer Support Now Online!

We were perusing our twitter feed and noticed a fantastic announcement from Blue Shield of California for the technologically-inclined. Members now have the ability to connect with Blue Shield's customer support online....

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Grandmothering Law: Small Groups May Keep Existing 2013 Plans

Fantastic news has swept the insurance industry and we couldn't be more excited for companies with less than 50 employees! Governor Jerry Brown signed Senate Bill 1446 (SB 1446 DeSaulnier) which provides small...

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ACA Final Rules for Employers

On March 5, 2014, the Internal Revenue Service released the two final rules on ACA health coverage reporting requirements. The new rules are intended toprovide the IRS with information necessary to administer other ACA...

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2015 HSA Contribution Figures

The IRS announced the maximum contributions to health savings accounts for 2015. The figures will jump slightly, as they have historically, $50 for individuals and $100 for families. The 2015 HSA limits will be $3,350...

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ACA Deductible Limits Repealed

On April 1, 2014, President Obama signed the Protecting Access to Medicare Act retroactively effective to March 2010 in compliance with the Affordable Care Act (ACA). The Act adds provisions to preserve the...

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Employer Mandate Delay

There has once again been another delay for the Affordable Care Act (ACA). The Department of the Treasury and the Internal Revenue Service announced yesterday that the ACA's health coverage Employer Mandate will be...

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A High Level View of Health Care Reform

Commonly referred to as ObamaCare and certainly misunderstood, the Affordable Care Act (ACA) is officially in effect with the new year. With ACA comes numerous changes to health care as you know it. First, ObamaCare isn’...

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ACA – Individual Mandate January 1, 2014

It’s been a while since we’ve blogged and for good reason: Health Care Reform is keeping us super busy! The Affordable Care Act (ACA) or as you may be more familiar, Obamacare, is in full swing. October 1st brought the...

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SHOP Exchange Notice & Exchange Delivery Requirements

SHOP Exchange Notice All employees must receive a notice, regardless of their full or part-time status, and whether or not the are currently enrolled under your health plan. This includes employees that are not even...

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Back to School Safety Reminders

The end of summer in California means many things, such as cooler weather, shorter days and ... the start of football! But most important, it means kids are headed back to school. And that means we all should be extra...

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IRS Recognizes Legal Same-Sex Marriages for Federal Tax Purposes

On August 29, 2013, the IRS issued a ruling which states that same-sex couples legally married in jurisdictions which recognize their marriages, will be treated as married for federal tax purposes. Click here to read...

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DOMA's Impact on Employee Benefits

End of DOMA Directly Impacts Employee Benefits On June 26, 2013, the United States Supreme Court struck down the Defense of Marriage Act (DOMA). This action indicates that same-gender marriages must now be...

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Defense of Marriage Act (DOMA) Impact

By now you’ve read or heard about the Supreme Court of the United States ruling regarding marriage. Basically, the Court said that denying recognition to same-sex couples who are legally marriedunder state law is...

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Temporary Guidance on the Employee Notice of Exchange Options

On May 8, 2013, the Department of Labor (DOL) provided temporary guidance and model notices that employers may use to inform their employees about the Exchanges, which will be available January 1, 2014. Please note that...

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2014 HSA Contribution Figures

On May 2, 2013, the IRS released the new Health Savings Account (HSA) index figures for 2014. The IRS provides this early release to help plan sponsors and participants budget for the upcoming year. The 2014 index...

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Revised Indexed Figures for 2013

The IRS and Social Security Administration have released cost-of-living (COLA) adjustments that apply to dollar limitations set forth in certain IRS Code Sections. The Consumer Price Index rose enough since the third...

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Pretax Transit Benefits Raised

For those of you who use public transit, you will see your annual tax savings increase significantly... if you participate in an Employer-Provided pretax transit program. Congress extended parity for pretax transit and...

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Healthy Grocery Shopping & Eating Tips

Blue Shield of California recently published some great pieces on healthy grocery shopping and eating. Since it’s that time of year when everyone refocuses on their health and wellness as an essential part of daily life,...

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2013 Health Care Reform Changes

First, a very happy new year to all of you! Now that we find ourselves on day 2 of 2013, I’m sureyou’ve already briefed yourself on the latest and greatest in Health Care Reform right? No? Read on. Beginning January 1,...

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Blue Shield is Reducing Paper Mailings

Beginning in January 2012, Blue Shield is reducing the amount of paper they are sending to their members. Subscribers with claims showing no share cost will receive their Explanation of Benefits (EOBs) online, instead...

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The Supreme Court Rule on Health Care Reform

The US Supreme Court upheld the constitutionality of the Patient Protection and Affordable Care Act (PPACA) today, or what you might be more familiarly acquainted with as Obamacare. In a narrow margin of 5-4 votes, the...

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Love Your Body

To kick off National Women’s Health Week take 3 minutes out of your day to watch & read the following video from Sutter Health. Yes, I realize I posted about this two weeks ago but it’s important. And not just for...

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2013 HSA Contribution Limits

The IRS has announced adjustments that affect health savings accounts in 2013. HSA contribution limits and High Deductible Health Plan (HDHP) out-of-pocket maximums will increase slightly. For the first time in three...

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National Women’s Health Week: May 13-19,2012

It seems only appropriate that Mother's Day, May 13, 2012, kick off National Women's Health Week. So often, women take care of their family, friends & careers, forgetting to be their own advocate and take care of...

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FREE Webinars from Anthem

A healthy company starts with healthy employees. When employees are healthy, productivity increases, absences decrease and premiums may even be reduced. - This year, Anthem is offering seven 30-minute webinars, ranging...

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Autism Awareness Month & Insurance Coverage

You may or may not have seen the ribbon with colorful puzzle pieces on car bumpers and pondered the meaning. I personally did not quite know until I typed it into Google. The puzzle pieces signify the mystery and...

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The Value of a Limited Use FSA

Did you know that Limited Use FSA's are the perfect complement to your Health Savings Account (HSA)? It's true. While the Limited Use FSA differs from a Traditional FSA, they work in the same manner. Employees choose...

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W-2 Reporting of Group Health Plan Coverage Revised

Integra Insurance Services would like to ensure you are aware that the IRS issued revised guidance for form W-2 reporting of group health plan coverage so your business remains compliant. Change to NoticesThe revised...

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NAWBO Silicon Valley Health & Wellness Fair

Join the National Association of Women Business Owners (NAWBO) in their 1st Annual Health & Wellness Fair. This event should prove to be dynamic and interactive. You'll be able to peruse a multitude of vendors with...

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2012 Indexed Figures

The 2012 IRS Indexed Figures (for the Adoption Credit, Adoption Credit through Section 125 Cafeteria Plans, Commuter Accounts, Health Savings Account and Long-Term Care) have been released and are as follows: ...

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2012 Commuter Benefit Limits

Congress has not acted to extend the monthly allowable transit benefit that was increased as a part of The American Recovery and Reinvestment Act of 2009. The Transit Benefit extension was not included in the Temporary...

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Hoffman's Bistro and Patisserie: Restaurant Impossible!

If there's one thing I like, it's food. I get my inspiration from my imagination, perusing the web and of course the Food Network. One show that captures my interest is Restaurant Impossible. I adore Robert Irvine's...

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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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