2340 Detroit Ave, 3rd Floor Maumee, OH 43537 | Phone: 419-535-5502

Difference Between Basic Insurance & Major Medical Insurance | Ohio Benefit Advisors

Choosing a health care plan often comes down to cost, but don’t forget to compare the monthly premium with the amount of coverage you get. Major medical insurance is designed to cover you during everything from routine check-ups to major catastrophic events. Basic health insurance, by contrast, is a cash reimbursement service that can help … Continued

Strategic benefits communication: Five key steps to success this open enrollment season | Ohio Benefit Advisors

In previous posts, I have talked about several aspects of strategic benefits communication. Now it’s time to put those strategies into action. As we approach enrollment season, let’s look at five key steps to ensuring this year’s open enrollment is successful for you and your employees.1. Determine your key objectivesWhat do employees need to know … Continued

The COBRA Payment Process | Ohio Benefit Advisors

The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) allows qualified beneficiaries who lose health benefits due to a qualifying event to continue group health benefits. The COBRA payment process is subject to various rules in terms of grace periods, notification, premium payment methods, and treatment of insignificant shortfalls.Grace PeriodsThe initial premium payment is due … Continued

Employee Spotlight – Isabel Leck

This month we’re highlighting Administrative Executive and Wellness Coordinator, Isabel Leck!  We’ve asked Isabel a few fun questions to get to know her a little bit better! What is your job title?  Administrative Exectutive/Wellness Coordinator What is the favorite aspect of your job? Working with amazing coworkers everyday. Do you have a favorite sports team? … Continued

The Risk of Being Uninsured (and the Hidden Bargain in Addressing It Now) | Ohio Benefit Advisors

With all the expenses of everyday living, it’s tempting to think of insurance as just another cost. What’s harder to see is the potential cost of not buying insurance—or what’s known as “self-insuring”—and the hidden bargain of coverage. The Important vs. the Urgent We’ve all experienced it: the tendency to stay focused on putting out … Continued

ACA Market Stabilization Final Rule | Ohio Benefit Advisors

On April 18, 2017, the Department of Health and Human Services’ (HHS) Centers for Medicare & Medicaid Services (CMS) published its final rule regarding Patient Protection and Affordable Care Act (ACA) market stabilization. The rule amends standards relating to special enrollment periods, guaranteed availability, and the timing of the annual open enrollment period in the … Continued

The 2016 UBA Health Plan Survey | Ohio Benefit Advisors

Employer-sponsored health insurance is greatly affected by geographic region, industry, and employer size. While some cost trends have been fairly consistent since the Patient Protection and Affordable Care Act (ACA) was put in place, United Benefit Advisors (UBA) finds several surprises in their 2016 Health Plan Survey. Based on responses from more than 11,000 employers, … Continued

2015 UBA Health Plan Survey Executive Summary Now Available!

Clear the Shelters 2015!

Calling all animal lovers!!  A friendly reminder from Team Kaminsky … the Annual Clear the Shelter Day is August 15th!  Adoption fees will be waived!  Please help find forever homes for deserving animals.  Find out more here!

IRS Issues Drafts of Instructions for Employer and Individual Responsibility Reporting Forms

IRS Issues Drafts of Instructions for Employer and Individual Responsibility Reporting Forms The following is a summary of draft instructions. Some of this information may change when the final forms and instructions are released. In order for the Internal Revenue Service (IRS) to verify that individuals have the required minimum essential coverage, individuals who request … Continued

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