Healthy Perspectives: Health Insurance Blog

Due to the increasing number of products in the insurance market, it has become challenging to find the best insurance coverage for businesses and individuals. Insurance experts have commonly known as brokers and agents help to bridge the gap between insurance providers and consumers. At DesignTM Health, we are a expert insurance broker committed to helping insurance customers get the most suitable solutions to their insurance needs. What is an Insurance Broker? An insurance broker is an individual or business that helps insurance customers get the best coverage at the lowest cost possible. Brokers work with individuals and companies to …

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A health insurance exchange is an online platform where people can compare health insurance plans and costs. It is also commonly referred to as a health insurance marketplace. Here, small businesses, families, and individuals can: Get answers to questions they may have about health insurance Compare different health insurance plans and find one that best fits their needs at an affordable price Find out whether they are eligible for tax credits to to reduce premium cost or insurance such as Medicaid Enroll in a health insurance plan that fits their needs Private Exchanges vs. State & Federal Insurance Exchanges In …

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When looking for insurance to offer employees, managers will often deal with representatives who will help them find the insurance policy that is most suited to their unique group of employees. However, there are two kinds of insurance agents: captive and non-captive or independent. So, what’s the difference? A captive insurance agent is one that works for the one insurance company. They only have access to one set of options that their company offers. Noncaptive insurance agent, as their name might suggest, work as independent agents with a variety of insurance companies. These independent insurance agents generally provide more options …

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Apart from a good salary, there are a variety of other employee benefits companies can offer. Such perks help to motivate employees and ultimately beneficially impact the company as much as the employees themselves. But what should a company offer its employees in terms of benefits? 9 Essential Employee Benefits to Consider Remote Work/Work From Home Remote working opportunities are becoming more and more popular—especially since the COVID-19 pandemic in 2020. According to Upwork, around 41.8% of the American workforce works remotely as of December 2020. Allowing employees to work from home or outside the office gives employees more time …

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Employee benefits are the additional perks a company can offer its workers, in addition to wages. This can include everything from overtime to health insurance coverage. These types of perks aren’t just necessary for the employees, they also have a direct impact on the company. Many of the included benefits aim to alleviate certain burdens from the employees, which ultimately make for happier, healthier, longer-lasting workers. When employees are pleased with the packages, the company’s bottom line and culture can be positively impacted. However, knowing what to offer employees in a benefit package can sometimes give managers and business owners …

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