The #1 Health Insurance Renewal Mistake Employers Make
By Jennifer Schaefer, MBA, ChFC, CLU, RHU, REBC, SHRM-SCP Founder & CEO, JS Benefits Group When a health insurance renewal arrives, many employers immediately focus on one number: How much is the premium increasing? That is understandable. Health insurance is one of the largest expenses many businesses face, and a significant renewal increase can have […]
What Is a Self-Insured Health Plan? A Guide for Employers
By Bill Capece, Director of Business Development, JS Benefits Group For employers facing rising health insurance costs, self-insured health plans can provide another way to approach healthcare financing. But self-funding is more than simply changing insurance plans. It changes how an employer assumes risk, pays claims, analyzes healthcare spending and manages its overall benefits strategy. […]
What Is Stop-Loss Insurance? Self-Funded Health Plans Explained
Author: Bill Capece, Director of Business Development For employers considering a self-funded health plan, one of the most important concepts to understand is stop-loss insurance. Self-funding can give employers greater control over healthcare costs, access to claims data, and flexibility in plan design. But it also means the employer takes on responsibility for paying covered […]
Do New Jersey Infertility Coverage Requirements Apply to My Company’s Health Insurance Plan?
Quick Answer: New Jersey infertility coverage requirements generally apply to qualifying insured group health plans issued or renewed in New Jersey for groups with more than 50 people when the plan includes hospital or medical benefits and pregnancy-related coverage. The mandate generally does not apply to private self-funded employer plans, New Jersey small-group coverage, or […]
Should a New Jersey Employer Use the State TDI and FLI Plan or a Private Plan?
Quick Answer: A New Jersey TDI and FLI private plan is worth considering when its cost, claims administration, or approved benefits offer a meaningful advantage over the State Plan. The State Plan is often simpler because New Jersey administers the benefits and no private-plan approval is required. A private plan must be approved by the […]
How Pennsylvania Employers Can Reduce Health Insurance Costs Without Cutting Benefits
By Rob Capone, Senior Employee Benefits Consultant, JS Benefits Group Pennsylvania employers continue to face pressure from rising health insurance costs. When a renewal comes in higher than expected, the conversation often turns immediately to higher deductibles, increased employee contributions, or reducing coverage. Those are not the only options. There are several strategies Pennsylvania employers […]
What Should Employers Look for When Choosing an Employee Benefits Broker?
Learn what employers should look for when choosing an employee benefits broker, from industry experience and plan options to communication and ongoing support.
Employee Benefits Benchmarking: How Does Your Benefits Package Compare?
Learn how employee benefits benchmarking helps employers compare contribution levels, plan design, employee costs, deductibles, and overall benefits competitiveness.
Is Level Funding Right for Your Company? | JS Benefits Group
Jennifer Schaefer | Founder & CEO, JS Benefits Group Is a level-funded health plan right for your company? In this video, Jennifer Schaefer explains what employers should consider when evaluating level-funded health insurance and whether it may be a fit for their business. Watch the video below to learn more. Is Level Funding Right for […]
PHCC Health Plan for Contractors: Group Health Insurance for Plumbing, Heating & Cooling Businesses
Good people are hard to find in the trades — and even harder to keep. For plumbing, heating, and cooling contractors, employee benefits can be an important part of attracting and retaining skilled employees. But smaller contractors often face a challenge: offering competitive health benefits without taking on unnecessary cost and administrative complexity. The PHCC […]
