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Ardina Blog - Health Benefits for Small Business

Back-to-School means back to germs

[fa icon="calendar'] Aug 9, 2016 6:30:00 AM / by Shaun Young posted in health insurance, employee benefits, High Deductible Health Plan, flu

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This past weekend, families across Ohio shopped for back-to-school items!  But missing on most back-to-school lists was treatment for the common cold.  

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Is COBRA health insurance a good deal?

[fa icon="calendar'] Jul 29, 2016 7:30:00 AM / by Shaun Young posted in professional employment organization, employee benefits, COBRA

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(Source)

 

If you’re like everyone who’s ever gotten a COBRA health insurance packet in the mail, then you experienced sticker shock!  Here’s a picture from my last COBRA statement.  And my insurance coverage was nowhere near a Cadillac Insurance Plan.  


We put together this information to evaluate whether COBRA is a good deal for you.

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What if we settled healthcare claims out-of-pocket, like car insurance claims

[fa icon="calendar'] Jul 26, 2016 6:30:00 AM / by Shaun Young posted in employee benefits, save money, High Deductible Health Plan, HDHP

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There’s a lot of fine print with our car insurance, all related to what, how, and how much is covered.  But one universal truth with car insurance is that if we submit a claim, we can expect our premiums to increase.  For instance, if you totaled your car, you can bet your rates will go up!  And to get your rates back to where they were prior to an accident, you’re going to have to win back the trust of your car insurance carrier by driving safer than every other driver on the road.


The way we get around our car insurance premiums going up is to settle claims outside of our car insurance.  In other words, we pay cash for every minor repair or maintenance so we can avoid increases on our auto insurance rates!

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If only getting healthcare was like buying a car

[fa icon="calendar'] Jul 22, 2016 7:30:00 AM / by Shaun Young posted in save time, save money, telemedicine, digital health, online health

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(Getty Images)

 

Huh?!?  Yeah, I really loved the customer experience when I bought my last car.  Let me explain.

When I had our first child, I traded in my Honda Fit for a Volvo S60.  (Man, I miss that zippy car!)  But not only was I becoming a new parent, I was starting a new job.  And not only was I starting a new, that new job was in a new city.  Needless to say, I was in a time crunch.

So I turned to the Internet for everything car-related!

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What if we could shop online for healthcare, like shopping online for tires?

[fa icon="calendar'] Jul 22, 2016 7:30:00 AM / by Shaun Young posted in prescription, save money, Vision Care, High Deductible Health Plan, car insurance, HSA, HDHP

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Did you know that you can pre-buy tires and have them delivered to a physical location for them to be installed?!?

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What if health insurance had “good driver” discounts?

[fa icon="calendar'] Jul 20, 2016 6:30:00 AM / by Shaun Young posted in save time, save money, High Deductible Health Plan, car insurance, good driver, HDHP

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What would happen to healthcare if we all drove hybrid cars?

[fa icon="calendar'] Jul 18, 2016 6:30:00 AM / by Shaun Young posted in professional employment organization, small business, Health Savings Account, High Deductible Health Plan, HDHP

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Shouldn’t health insurance work like car insurance?

[fa icon="calendar'] Jul 14, 2016 3:02:42 PM / by Shaun Young posted in health insurance, healthcare coverage, Wellness Benefits, High Deductible Health Plan, Affordable Care Act, HDHP

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The Verdict is In - High Deductible Health Plans don’t work

[fa icon="calendar'] Jul 6, 2016 6:30:00 AM / by Shaun Young posted in health insurance, employee benefits, Health Savings Account, High Deductible Health Plan, Affordable Care Act, HDHP

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When they first rolled out, high-deductible health plans were touted as THE solution for rising healthcare costs.  But the sad reality is that deductibles are not causing people to shop for healthcare.  Instead, more studies show that deductibles cause people to avoid getting healthcare.  

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5 Lies the PBM industry keeps telling you

[fa icon="calendar'] Jun 28, 2016 9:26:45 AM / by Shaun Young posted in government, Drug Pricing, PBM

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