african american man stressed and dealing with depression at work

Attorneys: When Depression Strikes and When to See A Doctor

When the air turns cooler and the autumn breeze picks up the holiday season is never far behind. It is a time for family, friends, good food, shopping for gifts, and enjoying each other’s company. But what happens when you can’t seem to find your holiday spirit?

Just because your holiday spirit is lacking doesn’t necessarily make you a Grinch, though it could be a sign of something much more important.

Depression doesn’t strike when it is most convenient for you, sometimes there is a reason for it and sometimes there is not. In fact, it is not at all uncommon to develop depression symptoms during the holiday season.

But not all cases of the winter blues are the same and therefore, it is important to know when to reach out to your doctor and discuss what you are experiencing.

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family in white smiling and happy about ancillary benefits

Beyond Health: The Ancillary Benefits Your Association Needs

We’ve all heard of Health Insurance, but it’s not uncommon to hear the term “Ancillary Benefits” in the same sentence. But while everyone is familiar with health insurance, not everyone is equally familiar with ancillary benefits. So, what exactly are they and should you be offering them to your employees?

First and foremost, while health insurance is just health insurance, ancillary benefits can be made up of a variety of different insurance and benefits offerings made available to your employees. Oftentimes, instead of listing out each and every benefit and insurance offering a company may offer, the term “ancillary” may be used instead.

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How to get health coverage outside of the open enrollment period

How to get Health Coverage Outside of the Open Enrollment Period

Your Guide to Understanding Qualifying Life Events and Special Enrollment

 

Life happens, and when it does, it is very likely that your health insurance coverage may need to change. When you encounter a qualifying life event that impacts your insurance needs, it is important to know that you can take advantage of a special enrollment period – since most people are unaware that they may enroll outside of open enrollment.

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Letter From Member Benefits’ CEO Regarding Health Insurance Delays During Open Enrollment

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Dear Client,

I want to assure you that all of us at Member Benefits completely understand your concern regarding the complications and delays that are occurring in regards to your application for health insurance. I feel privileged that you have chosen Member Benefits to help you with such an important decision to choose and apply for your health coverage.

These are unprecedented times for health insurance carriers. The following will help you understand why all of the carriers are overwhelmed to various degrees:

  • Over 27,000,000 people have newly applied or changed their plans for insurance since 11/01/15.
  • One of our leading carriers informed us that they received more than 10,000 applications on 12/15/15, the deadline date to apply for a 1/1/16 effective date.
  • Several carriers dropped some of their most popular plans for 2016, causing a panic amongst insureds to secure similar coverage with other carriers.
  • Regardless of the reasons, insurance companies underwriting, billing, and issuance systems are overwhelmed with the volume and are not able to deliver approvals, policy documents, and identification cards in a reasonable manner.
  • One carrier is predicting that policies may take as long as March to be issued with a 1/1/16 effective date.
  • Some carriers are asking us to inform insureds that they might need to pay their claims “out of pocket” and request reimbursement once the policy is issued.
  • Although the carriers greatly increased their staff to handle the volume, some carriers stated that they were expecting a 40% increase in customer service needs and actually received an increase of up to 500%.

It is important to me that you know our staff is working tirelessly and is in constant contact with the carriers to expedite the processing of our clients’ applications.

Again, we are all empathetic with your very justifiable concerns. In addition, we are certain that we will be able to satisfy your needs and ultimately deliver to you the product you applied for.

Earl C. “Chip” Trefry, Jr. CLU
President/CEO

 

Which Health Plan to Choose When You Have an Out-of-State Student

Having a child move away to college can be an exciting yet emotional experience for many parents. However, while making sure your child is registered for classes and has everything they need for his or her dorm room, there’s one detail you don’t want to forget about: making sure your child is adequately covered under a health insurance policy. Of course, if your child is attending an out-of-state school, this can become even more complicated. What can you do to make sure your child has coverage so far from home? We’ve got a few tips.

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