Resources

Oswald Companies’ Stanley Sieniawski of InsureOne Benefits explains why and how Medicare Advantage Plans may benefit employees and employers alike. One of the more confusing and complicated decisions an employee has to make is what to do when they or their spouse turn 65 and become Medicare eligible…especially if they…

During these unprecedented times, the challenge of managing the ever-increasing cost of health insurance has become more difficult as additional factors contribute to the number and frequency of claim occurrence due to an: Aging workforce population Increase in events that trigger COBRA eligibility Employers may not be able to eliminate…

Many employees are postponing retirement and working beyond the traditional retirement age of 65. While this segment of the workforce provides important experience, there are some challenges for both the employer and the employees. Employees may not fully understand what Medicare offers and stay on the group health plan at…

You must be ready to enroll in Medicare when you turn 65. This ebook will guide you through everything you need to know.

For employers, workers age 65 and over add a needed dimension of experience and knowledge to the workforce. And, as of February 2019, 20% of these 55 million people were working or looking for work. Individuals working beyond age 65 is a growing trend. (Business Insider) Medicare Eligible Employees Have…

Planning for retirement can be an exciting time, but it can also bring some apprehension. In this edition we will provide some information about healthcare for your employees to consider when thinking about retirement. Though it should always be somewhere on the radar, if you’re within 10 years of retiring,…

When getting ready to enroll in Medicare there are many questions people will have. Luckily, there are advisors and resources available to help with the answers. When looking at enrollment, there are a few issues to think about: When do I become eligible to enroll in Medicare? What if I…

What exactly is Short-Term Health Insurance? Since the passing of the Affordable Care Act (ACA), this topic has been an ongoing source of confusion for consumers. A Short-Term Health Insurance plan provides temporary coverage to help pay for hospital and medical claims when employer health insurance or ACA coverage is…

Recent events, like the Coronavirus (COVID-19) Pandemic, have left some individuals and families with reduced income due to layoffs, reduced hours or termination of employment and the possible loss of health insurance coverage. If you or someone you know has recently lost coverage or will be losing coverage through an…

Check out the Crain’s Cleveland article written by Frank Spinelli, VP, Director of Affinity Groups and Emerging Markets. In the feature, Frank explains how Individual Coverage Health Reimbursement Arrangement (ICHRA) is redefining employer-sponsored health insurance and how InsureOne and Oswald have taken the lead for its clients. Contact Frank: fspinelli@oswaldcompanies.com (216) 367-8756

Some people have no trouble with weight control.   But a lot of people do – about tho-thrids of Americans are overweight. Obviously, it’s not always easy to get to a healthy weight – and then to maintain it. Plus, it gets more difficult as time goes on. The truth…

High-deductible health plans (HDHP) are attractive because they seemingly reduce your health care spending. But that’s not always the case. With a low deductible plan, you’ll have predictable medical expenses and typically better coverage, but it’s difficult for most consumers to deal with the higher monthly premiums. Turning to a plan…

Juggling a career, caring for your family and other responsibilities can put you in a position of financial disadvantage when it’s time to retire. Maybe you chose to stay home with your children, giving you less of an opportunity to accrue the same amount of savings as your husband. Perhaps…

With innovation has come an inability to cope.   Advanced technology has provided you with many more choices to make than before. Think about your options just at your local coffee shop. Add in the multitude of apps and opportunities to communicate with the world that your smartphone offers, and…

“Old age isn’t so bad when you consider the alternative.” -Maurice Chevalier   There are pros and cons to getting older. You get more time to sit back and relax – a sort of resting on your laurels. On the other hand, you’re at a higher risk for some medical…

Never leave the country without considering your healthcare needs. You don’t want to find yourself in a foreign land, vulnerable to a huge healthcare bill, should you find yourself ill or get into an accident. Before you go, know whether your primary health insurance plan provides coverage outside of the…

If you’re like most people, you think of arthritis as having painful, stiff joints that are swollen and red but the truth is, arthritis shows up in different forms. The common types for those over 65 to have are osteoarthritis, rheumatoid arthritis, and gout. Let’s take a closer look at…

Depression can happen to anyone, no matter their age, gender or any other distinction you can think of.   It’s one of the most common disorders, affecting many Americans at some point during their lifetime. The number of people with undiagnosed depression is most likely far higher. While aging isn’t…