Just as with any good, healthy relationship, communication with employees is key. Only communicating with employees regarding their benefits package during open enrollment will most definitely result in them not taking full advantage of all it has to offer. In an effort to assist employees in understanding and maximizing their benefits, companies should use a […]

March 2021 As a business owner, selecting a health plan can be difficult. How much should the in-network deductible be? In California and across the country, what plans are businesses in my industry choosing for their employee benefits? How much are other businesses spending per employee? Luckily, United Benefit Advisors (UBA) has gone to great […]

By Ron Bland and Bruce Jobson March 2021 The pandemic has fundamentally changed our personal and professional lives over these past eleven months. One notable change is that a greater number of employees are working from home, some for the foreseeable future. As a result, many employees do not necessarily have to reside in the […]

Employee Assistance Programs (EAP) are company-sponsored programs that provide assistance to employees for a variety of personal issues that may be hindering or adversely affecting their work performance. Typically offered through third-party administrators, EAPs can provide their services online or via telephone and can sometimes be a part of the employee’s healthcare plan, however it […]

By Morgan Carpenter January 2021 If you have looked at insurance plans before, it is likely you have stumbled upon these acronyms at one time or another. But what exactly are HSAs, HRAs, and FSAs? While the letters differ, they all are ways to cover health expenses. Below, we will outline the major similarities and […]

By Morgan Carpenter December 2020 According to Fidelity, this year the average couple needs $295,000 for medical expenses after the age of 65. As that number sinks in, people tend to respond with, “Well, Medicare will cover that, right?” While Medicare covers many health care expenses, it does not cover everything. Even on Medicare, people […]

November 2020 By Alyssa Bland This year open enrollment may be as busy ever. In the face of COVID-19 throughout the Bay Area and California, businesses are just trying to keep up. With smart solutions in hand, employers can avoid various problems that arise during open enrollment. But you may still have lingering questions regarding […]

As the weather turns cooler and shopping centers get busier, it’s easy to surmise that it’s nearing the end of the year. Are we all ready for 2020 to be over?! Yes, please! Since we are closing in on 2021, it’s time for you to maximize your healthcare plan by taking advantage of end-of-year healthcare […]

By Morgan Carpenter September 2020 Leaves are changing, sweaters are being pulled out of closets, and lattes suddenly have way more pumpkin spice in them here in the Bay Area. This can only mean one thing – it is time for open enrollment! Despite this exciting season, we know that open enrollment may look and […]

Health Savings Accounts (HSA) are great ways to save tax-free money for medical expenses both in the current term, and for your retirement years. By making wise choices, you can maximize the benefit of these fantastic savings accounts. Let’s take a quick look at the basics and then explore some tips on how to make […]