Author Archives: fbg123

ACA Compliance Deadline, Penalties for Noncompliance, and Transitional Relief for Smaller Employers

Posted on June 16, 2015 by fbg123

The Affordable Care Act is the law of the land – and employers have a lot of work to do to ensure they are in compliance with the employer mandate and other aspects of the sweeping health insurance reform law. … Continue reading →

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6 Most Common Mistakes Medicare Beneficiaries Make

Posted on May 28, 2015 by fbg123

It is important to find the right Medicare plan. Since there are hundreds of policies to consider when choosing and a large amount of information to learn with each one, most people just get frustrated and guess when they choose … Continue reading →

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What Taxpayers Need to Know about Reporting Health Coverage on Tax Forms

Posted on April 16, 2015 by fbg123

What Taxpayers Need to Know about Reporting Health Coverage on Tax Forms While many people know there is a fee incurred by people who do not have health insurance, they do not understand how the Internal Revenue Service knows if … Continue reading →

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Filing a Medicare Complaint

Posted on March 23, 2015 by fbg123

Filing a Medicare Complaint If you believe you have not been treated fairly as a Medicare beneficiary, or if you have not received the benefits you believe you are entitled to, you may file a complaint with the Department of … Continue reading →

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Special Enrollment Period for Individuals

Posted on March 13, 2015 by fbg123

The Centers for Medicare and Medicaid Services (CMS) announced a new Individual Health Insurance Marketplace Special Enrollment Opportunity beginning on March 15 through April 30. This Special Enrollment Opportunity is for individuals and families who did not have health coverage … Continue reading →

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When Urgent Care is a Better Option than the Emergency Room

Posted on February 26, 2015 by fbg123

  When it comes to emergency care and emergency rooms in hospitals, what exactly is a true emergency? It is not uncommon to walk into an emergency room and see an overly-concerned parent bringing in a child with a small … Continue reading →

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Buy Your Own Health Insurance – Get a Tax Break

Posted on January 27, 2015 by fbg123

  The government wants you to have health insurance. So much so that it will actually penalize you if you go without health insurance – by as much as 2 percent of your household income in 2015, or $325 per … Continue reading →

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Between Jobs? What To Do About Health Insurance

Posted on June 9, 2014 by fbg123

These days it happens more and more. You’ve been downsized, underemployed, divorced from someone with access to group health insurance, or your employer has simply decided to discontinue a workplace plan. What now? Many times, the choice comes down to … Continue reading →

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Insurance Agents vs. Payroll Providers – Who Do You Want to Call When Your Business is On The Line?

Posted on May 12, 2014 by fbg123

For many years, insurance agents and brokers have worked side-by-side with payroll service providers, cooperating and combining their separate skill sets for the benefit of their small business clients. In recent years, as competition tightened across the board, we have … Continue reading →

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What to Know Before Enrolling in Medicare

Posted on April 14, 2014 by fbg123

  Medicare is the government-sponsored health coverage for people who are 65 years of age or older or those who are under 65 but are disabled. People whose spouses have worked at least 10 years in the United States or … Continue reading →

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