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Karl J. Ruth Jr.
Dec 16, 20191 min read
CMS Extends Open Enrollment 2020
CMS announced today that they will be extending this year's Open Enrollment deadline. Originally Open Enrollment for January 1, 2020...
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Karl J. Ruth Jr.
Dec 10, 20191 min read
FSA Contribution and Other Benefits Limits Rise for 2020
The IRS announced an increase to flexible spending account (FSA) contribution limits for the 2020 plan year. Individuals can contribute...
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Karl J. Ruth Jr.
Nov 19, 20191 min read
Using Voluntary Benefits to Entice Millennial Talent
Millennials consistently cite elements like work-life balance and benefits packages as huge factors when considering employers. Salary,...
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Karl J. Ruth Jr.
Nov 14, 20191 min read
Summary of the 2019 Employer Health Benefits Annual Survey
Each year, the Kaiser Family Foundation and the Health Research & Educational Trust conduct a survey to examine employer-sponsored health...
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Karl J. Ruth Jr.
Nov 6, 20191 min read
Employers Are Expected to Spend More on Health Care and Wellness in the Next Year
According to Optum’s Wellness in the Workplace study, more than 80% of employers plan to spend more on health care and wellness in the...
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Karl J. Ruth Jr.
Oct 10, 20191 min read
Financial Industry Experienced 3,500 Cyber Attacks in 2019 So Far
In mid-July, Capital One announced that the personal information of more than 100 million of its U.S. customers was compromised in one of...
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Karl J. Ruth Jr.
Sep 12, 20191 min read
Hospitals to Publish Retail Prices Under a New Proposed Rule
In July, the Centers for Medicare and Medicaid (CMS) proposed rules that would require all Medicare-participating hospitals to post their...
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Karl J. Ruth Jr.
Aug 15, 20192 min read
Is your international medical coverage all you think it is?
U.S. domestic healthcare plans may include some or limited international coverage, but is it as comprehensive as you may need? When...
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Karl J. Ruth Jr.
Jul 24, 20192 min read
HOW DOES MAKING YOUR EMPLOYEES 4X HAPPIER WITH THEIR JOB SOUND?
Benefit Communication Made Easy When they’re satisfied with their benefits, employees are 4x more likely to be very satisfied with their...
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Karl J. Ruth Jr.
Jul 22, 20192 min read
HSA benefits for chronic conditions expanded by IRS
On Wednesday July 17th, the Internal Revenue Service (IRS) added care for a range of chronic conditions to the list of preventive care...
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Karl J. Ruth Jr.
Jun 24, 20191 min read
HRAs To Be Used On Individual Coverage
The U.S. Department of the Treasury, Labor, and Health and Human Services (tri-agencies) issued a final ruling on June 12, 2019 allowing...
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Karl J. Ruth Jr.
Jun 11, 20192 min read
Healthcare - In The Know
Vote on Health Care Won’t Come Until After 2020 Elections President Donald Trump stated in a series of recent tweets that a vote on a...
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Karl J. Ruth Jr.
May 29, 20191 min read
Eye Health 101
Keeping your eyes healthy is a very important task. Fortunately, it’s also an easy thing to do. Here are five simple ways you can keep...
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Karl J. Ruth Jr.
May 13, 20193 min read
Pet Parent Tips
What toxins are in your garden? Gardens can be a messiah of beauty and peace in your yard, but could poise trouble for your four legged...
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Karl J. Ruth Jr.
Apr 4, 20194 min read
What’s in an emergency medical evacuation benefit?
Looking to travel overseas this summer? Even if you are already enrolled in a health plan, your coverage is limited when you travel...
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Karl J. Ruth Jr.
Feb 12, 20192 min read
Urgent Care or Emergency Room: What’s the Difference?
You’re making dinner and cutting vegetables for a soup medley when all of the sudden….OOPS you accidentally slice your thumb. It’s...
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Karl J. Ruth Jr.
Jan 14, 20192 min read
IPA Replaces HICA Tax
The Michigan Health Insurance Claims Assessment (“HICA”) tax has been repealed, effective as of October 1, 2018. On June 11, 2018,...
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Karl J. Ruth Jr.
Jan 10, 20191 min read
What's Changing in 2019
Now that Open Enrollment for 2019 has ended, you can now enroll in or change your individual #medical plan ONLY if you have a life event...
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Karl J. Ruth Jr.
Nov 21, 20183 min read
Protection and Flexibility: The Financial Advantages of a Life Insurance Policy
Life insurance is usually considered a financial safety net, a one-time payout designed to protect your family’s financial future. That’s...
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Karl J. Ruth Jr.
Aug 22, 20183 min read
Is Your Agent Licensed?
When was the last time you checked to see if your health insurance agent was properly licensed and certified? There are plenty of cases...
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