How to Choose Between a Low- or High-Deductible Health Plan

Most health plans come with a deductible, which is the amount you will pay each year before the plan starts paying for healthcare expenses. Health plans can be grouped into low- or high-deductible depending on how much you pay before your coverage begins. High-deductible plans often have lower monthly premiums, while the opposite is true with low-deductible plans. Here are some tips on how to choose between them.

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Are Employers Required to Provide Health Insurance During a Leave of Absence?

When an employee takes a leave of absence for “qualifying conditions” there are potential obligations to be met by the employer. These obligations are provided under protections of the Family and Medical Leave Act (FMLA), the Uniformed Services Employment and Reemployment Act (USERRA), and potentially state laws as well.

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As an Employer, Here is What You Should Know About Prescription Drug Coverage

f you are an employer looking at prescription drug plans, the many variants can seem daunting. Here is some information that may help simplify the sometimes confusing drug plans and terminology. Having a better understanding of prescription drug plans can help you better inform your employees about their options, and First Day Films can help as well. See the end of the blog for more information.

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