The No Surprises Act: What Small Employers Can Tell Staff
A frontline team member at your 18-person coffee roastery comes to you last week with a $1,200 unexpected bill from…
Month: October 2025
Primary Care Referrals: When a Plan Requires Them
You call a dermatologist to book an appointment for a recurring rash that your over-the-counter cream hasn’t cleared, and the…
Specialty Drugs on a Small-Group Plan: What to Ask
If you’re a small-business benefits admin for a team of 8 to 50 employees, it’s common to receive a request…
Reading a Drug Formulary Without Guessing
If you’re an employer or HR admin fielding questions from staff about prescription drug coverage, you’ve likely stared at a…
How Prior Authorization Usually Works on a Group Plan
If your doctor has recently ordered a specialty medication, MRI, surgical procedure, or other non-routine service, they may have mentioned…
In-Network vs Out-of-Network: Questions Before You Enroll
Open enrollment season is here, and you’ve narrowed your health plan options down to two that fit your monthly budget.…