Insights

Insurance Education Corner Understanding Deductibles, Copays, and Out-of-Pocket Maximums Health insurance plans include several cost-sharing features that can sometimes be confusing. Understanding a few key terms can help you better manage your healthcare costs. Deductible: This is the amount you must pay for covered healthcare services before your insurance plan begins paying for most services. […]

Retirement & Financial Planning Planning for Healthcare Costs in Retirement Healthcare is one of the most important—and often underestimated—expenses in retirement. Even with Medicare coverage, retirees can still face costs for premiums, prescription drugs, dental and vision care, and out-of-pocket expenses for medical services. Planning ahead for these costs can help prevent financial stress later […]

Ancillary Product Spotlight: How Hospital Indemnity Insurance Can Help Protect Your Finances Even with good health insurance, a hospital stay can come with unexpected out-of-pocket costs. Deductibles, copays, transportation expenses, and other costs can add up quickly. That’s where hospital indemnity insurance can help. A hospital indemnity policy provides cash benefits paid directly to you if you […]

Why It’s Important to Report Income Changes to the Marketplace If you receive financial assistance through the ACA Marketplace, keeping your income information up to date is very important. Premium tax credits are based on your estimated household income for the year. If your income changes significantly during the year, such as starting a new […]

Introducing “What You Should Know (But Probably Don’t)” — A New Way to Navigate Your Coverage with Confidence Understanding insurance and healthcare shouldn’t feel like solving a puzzle—but for many people, it does. Plans are complex, terminology is confusing, and the information that matters most often isn’t explained clearly or at the right time. That’s […]

Understanding the $2,000 Medicare Prescription Drug Cost Cap Prescription drug costs can be one of the biggest healthcare expenses for Medicare beneficiaries. Beginning in 2025, a major change to Medicare Part D helps provide relief: a $2,000 annual cap on out-of-pocket prescription drug costs. This means that once your spending on covered medications reaches $2,000 […]

MyCarePro Powered by HRPro Appoints Jackie O’Connell as Assistant Director MyCarePro, powered by HRPro, a provider of personalized health insurance guidance and enrollment support, is pleased to announce the appointment of Jackie O’Connell as Assistant Director. In this role, O’Connell will support the organization across operations and sales while helping advance MyCarePro’s mission of delivering […]

Compassionate Off-Boarding: A Defining Workplace Trend for 2026 As the workplace continues to evolve, so does the way organizations support employees through every stage of the employment lifecycle. In 2026, one trend is gaining clear momentum: compassionate off-boarding. Forward-thinking employers are recognizing that how employees exit an organization is just as important as how they […]

MyCarePro Is Now Available in Six States MyCarePro is excited to announce that our services are now available in Michigan, Indiana, Ohio, Utah, Nevada and Arizona. This expansion allows us to support more individuals, brokers, and employers with personalized care coordination and simplified healthcare navigation. Our goal is to make healthcare easier to understand, easier […]

Don’t Let COBRA Sticker Shock Catch You Off Guard Smarter Health Coverage Options You Should Know About Losing employer-sponsored health insurance can be stressful, especially when you open the COBRA letter and see the price tag. While COBRA allows you to keep your current coverage, it often comes with significantly higher monthly costs. The good […]