Join hosts Caroline and Zack this week for an essential episode on preparing for open enrollment season. They dive deep into what employees should be considering, from understanding different coverage options to assessing personal health needs and financial goals. The hosts discuss the importance of having open conversations with family and HR, emphasizing how to ask the right questions and gather the information necessary for informed decision-making.

They also provide practical tips on how to enroll in the coverage you choose, including deadlines to watch for and resources that can simplify the process. Whether you're a first-time enroller or a seasoned pro, this episode is packed with insights to help you navigate open enrollment with confidence and clarity. Don’t miss it!

In this week's episode Caroline and Zack sit down with James Slotnick Vice President Government Relations and Sustainability at Sun Life U.S. and discuss how this year's upcoming election will impact employee benefits.

They dive into topics that have impacted the industry in 2024 and, long term disability and mental health parity, and the inflation reduction act. Slotnick will provide his expertise on these topics and dive us into the political side of the topics.

Tune in this week for an episode you don't want to miss!

In this week's episode, your hosts Caroline and Zach will review the basics of a Flexible Spending Account. They will explain the nuances of an FSA and the differences between an FSA and HSA. You will the learn how an FSA will help you save money on eligible medical, dental, vision expenses and the use-it-or-lose-it rule with an FSA. Tune in this week to learn more!

Join our hosts this week to understand health savings accounts. Caroline and Zack will share valuable information about how an HSA helps pay medical expenses like dental and vision costs, how it is a tax advantage to max out your HSA and how you don't have to use all the funds in the year - your savings can grow year over year. Tune in to this week's episode to learn more!

In this week’s episode, hosts Zack and Caroline delve into the intricacies of navigating long-term disability. They provide a comprehensive exploration of this important topic, including understanding long-term disability, the impact on paychecks, workers comp vs. long-term disability, and navigating disability claims. Don’t miss this discussion which offers valuable information for anyone facing or managing long-term disability. Check it out for essential advice!

In this episode, Zack and Caroline talk about short-term disability. They dive into why short-term disability is taken and how it will affect long-term disability. Short disability is paycheck protection. They go over elimination periods in short term disability, benefit policies for your company, and short-term disability claims. You don’t want to miss this short and sweet episode this week!

In this episode Zack and Caroline speak with TLC's Botched Bariatrics Surgeons Dr. Yasir Khan and Dr. Neil Kundu exploring the transformative journey of bariatric and plastic surgeries, and health insurance coverage involved.

We dive into the core aspects of bariatric surgery, examining its pivotal role in weight loss and the subsequent impact on health and well-being. We discuss how these surgeries can effectively reduce chronic health issues such as diabetes and hypertension, leading to long-term improvements in quality of life. Additionally, we explore the various insurance incentives and support programs available to individuals considering these life-changing procedures.

Dr. Khan and Dr. Neil discuss their experience on the TLC show Botched Bariatrics highlighting what they learned, and the newness of their work being highlighted on mainstream media.

We differentiate between reconstructive and cosmetic surgeries, discussing the variation of insurance coverage for each and sharing inspiring real-life stories of individuals who have undergone these transformations. Looking forward, we investigate the latest advancements in bariatric and plastic surgery techniques. We also examine future trends in insurance coverage, offering detailed guidance on understanding policies.

Tune in for an episode you won't want to miss!

Zack and Caroline are joined by Heather Bellau from the HUB Medicare Team for the last part to our 3-part Medicare series. Together, they dive into essential topics for Medicare beneficiaries to enhance their understanding of coverage and navigate the system effectively:

• Understanding Coverage
  • Key aspects beneficiaries should grasp about their Medicare coverage and benefits.

• Staying Informed
  • Insights on how often Medicare plans and options change, and tips for staying updated.

• Prescription Drug Coverage
  • An overview of how Medicare handles prescription drugs, including the details of Part D plans.

• Health Savings Accounts (HSAs)
  • Clarifying the use of HSAs for those enrolled in Medicare.

• Common Pitfalls
  • Highlighting frequent mistakes new Medicare beneficiaries should avoid to ensure smooth navigation.

• Addressing Issues
  • Guidance on how beneficiaries can resolve disputes or issues with their Medicare coverage.

• Helpful Resources:
  • A rundown of valuable resources available for individuals to make informed decisions about their Medicare options.

• Future Changes:
  • A look ahead at anticipated changes to Medicare that beneficiaries should be aware of.

Listen to the episode to learn more and understand how to navigate Medicare better.