Employee Benefits

COBRA Continuation Deadlines During the Pandemic

COBRA Continuation Deadlines During the Pandemic 150 150 Encore Benefits

During the economic instability surrounding the COVID-19 pandemic, terminated or furloughed employees should understand some new federal regulations governing COBRA…

read more

HIPAA For Employers

HIPAA For Employers 150 150 Encore Benefits

The Health Insurance Portability and Accountability Act of 1996 (HIPAA) obligates employers, health care providers, insurance agents, insurance carriers and…

read more

What is an “Out-of-Pocket Max?”

What is an “Out-of-Pocket Max?” 150 150 Encore Benefits

It’s known by a few terms – “out-of-pocket max, “maximum out-of-pocket,” “maximum liability,” and a few others – and that’s…

read more

What is a Deductible?

What is a Deductible? 150 150 Encore Benefits

In insurance, a deductible is the amount that you (the insured) are responsible for FIRST before the insurance company starts…

read more

Temporary Employee Benefit Coverage

Temporary Employee Benefit Coverage 150 150 Encore Benefits

If you ever employ temporary or “seasonal” employees, or you wonder whether your employees are temporary, here are the basics…

read more

What is a Wrap Document?

What is a Wrap Document? 150 150 Encore Benefits

What Is A Wrap Document? A wrap document is where all of the information about an employer’s insurance benefits is…

read more

Fully Insured, Self-Insured, Level-Funded: What Does It All Mean to the Small Employer?

Fully Insured, Self-Insured, Level-Funded: What Does It All Mean to the Small Employer? 150 150 Encore Benefits

Small employers are examining more closely what it means to be “fully” insured. Today, employers with as few as five…

read more

Open Enrollment Deadlines Are NOT Just Guidelines

Open Enrollment Deadlines Are NOT Just Guidelines 150 150 Encore Benefits

Open Enrollment Due to increased federal oversight, health insurance carriers currently have a lot less “wiggle room” than in the…

read more

Can An Employer Pay For Individual Health Insurance Policies?

Can An Employer Pay For Individual Health Insurance Policies? 150 150 Encore Benefits

Group Sponsored vs Individual Plans Can an employer pay for individual health insurance policies? Since the affordable care act was…

read more