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. […]

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 […]

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 […]

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 […]

MyCarePro Goes Live Royal Oak, Mich. – HRPro, a leader in human resources and benefits administration services, today announced the launch of MyCarePro, a new division designed to provide concierge-style guidance for COBRA, Medicare, and individual health coverage needs. Powered by HRPro, MyCarePro offers a people-first approach to insurance navigation, providing brokers, employers, and individuals with […]