Employer Health Saving Accounts (HSA) vs Flexible Spending Accounts (FSA)

It is open enrollment time! Does your company offer a Health Savings Account (HSA) plan or a Flexible Spending Account (FSA) plan? It might be in your best interest to enroll in one or both of these tax savings accounts.     A Health Savings Account (HSA) is a type of savings account that lets you …

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Maximize your Healthcare Benefits in the 4th Quarter

As we approach the end of the year, there are several points to remember regarding your 2022 healthcare benefits and looking toward 2023.   A few deliberate actions will help you avoid costly mistakes.   If you have met, or are close to meeting your deductible, schedule doctor visits and procedures before the end of the …

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Healthcare open enrollment

Do you want better health insurance and/or prescription drug coverage in 2023?  You can make a change! See the details below.     2023 Healthcare Open Enrollment Season is Approaching! It’s time to review your coverage if you have Medicare, an employer, or an individual/family plan.  During the Open Enrollment period for healthcare insurance, you can …

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We all pay a lot for our health insurance plans and it is amazing how little we understand about our coverage. Being aware of your insurance plan benefits and care options, preparing for the care and treatment you may need, and being proactive about managing your care and benefits can have a significant impact on …

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Proactive management of your health insurance allows you to maximize benefits, efficiently plan for care and treatment, track claims, and save on your healthcare costs. Insurance Premium Payments On-time payments are critical to maintaining coverage. Avoid cancellations. Open all mail from your insurance companies. This is especially true with COBRA. Set up auto-pay and designate …

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Be Prepared! Advice for Parents with 18+-year-olds Heading to College

What happens if your 18+-year-old adult child gets sick? Are you prepared to advocate on their behalf? Do you understand how their plan works? Take these steps so that you are ready to advocate for your Adult child when medical care is needed: Release of Information Authorizations These documents allow you to receive information and …

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Long Term Care Insurance: Why You Need It and When to Use It

The value and application of Long Term Care Insurance is growing. As healthcare costs increase, Medicare covers fewer services and reduces benefit allowances for care at home and for inpatient services.  Healthcare Pathfinder’s clients who are fortunate enough to have Long Term Care Insurance are accessing benefits sooner to cover services once paid by Medicare.  …

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