Health Insurance – JRW Associates

Understand Your Spending Power: What You Can Buy with Your FSA, HSA, or HRA | JRW Associates, Inc., a Raleigh Benefit Advisory

August 5, 2024

Medical expense accounts can help you save on all kinds of healthcare costs. Here are some you may not know about yet. HSA, FSA, and HRA can typically be used for: Medical expenses: Doctor visits, surgeries, prescriptions, dental and vision care, and mental health services. Over-the-counter (OTC) medications: Many OTC medications, including pain relievers, allergy … Continued

Benefits 101: What Is an HDHP? | JRW Associates, Inc., a Raleigh Benefit Advisory

July 1, 2024

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In today’s world of complex health insurance options, High Deductible Health Plans (HDHPs) have become increasingly popular. But with a name like “high deductible,” it’s natural to have questions. Let’s break down the basics of HDHPs: What is an HDHP? An HDHP is a health insurance plan with a higher deductible than traditional plans. This … Continued

Health Insurance Basics: Part 3 | JRW Associates, Inc., a Raleigh Benefit Advisory

April 16, 2024

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Insurance Costs Consumers typically pay the following types of costs when they have insurance. Premium: The premium is an amount of money a consumer pays for a health insurance plan. The consumer and/or their employer usually make this payment bi-weekly, monthly, quarterly, or yearly. The premium must be paid regardless of how many services, if … Continued

Health Insurance Basics: Part 2 | JRW Associates, Inc., a Raleigh Benefit Advisory

March 12, 2024

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Does a Health Plan Typically Pay for Services from Any Doctor? Not always. Some types of plans encourage or require consumers to get care from a specific set of doctors, hospitals, pharmacies, and other medical service providers who have entered into contracts with the plan to provide items and services at a negotiated rate. The … Continued

Health Insurance Basics: Part 1 | JRW Associates, Inc., a Raleigh Benefit Advisory

February 12, 2024

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What is Health Insurance and Why is it Important? Health insurance is a legal entitlement to payment or reimbursement for your health care costs, generally under a contract with a health insurance company. Health insurance provides important financial protection in case you have an accident or sickness. For example, health insurance may help to pay … Continued

Using a Flexible Spending Account (FSA) | JRW Associates, Inc., a Raleigh Benefit Advisory

November 29, 2023

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If you have a health plan through a job, you can use a Flexible Spending Account (FSA) to pay for health care costs, like deductibles, copayments, coinsurance, and some drugs. They can lower your taxes. How Flexible Spending Accounts work A Flexible Spending Account (FSA, also called a “flexible spending arrangement”) is a special … Continued

Benefits 101: Premiums, Deductibles, Copays, and Out-of-Pocket Maximums | JRW Associates, Inc., a Raleigh Benefit Advisory

October 25, 2023

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Not understanding benefits terminology is near the top of the list of ways that open enrollment and benefits selection can stress you out. Open enrollment is coming quickly and soon you will be talking about benefit options. The world of benefits and insurance can be confusing. In-network, out-of-network, deductibles, co-pays and co-insurance? What? Let us help … Continued

Why Health Insurance Matters | JRW Associates, Inc., a Raleigh Benefit Advisory

August 15, 2023

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Health insurance may not be the most exciting thing to shop for but it’s one of the most important things that you can buy for yourself and for your family. Having health insurance has many benefits. It protects you and your family from financial loss in the same way that home or car insurance does. … Continued

Leveling Up Your Open Enrollment Game: Tips for Success | JRW Associates, Inc., a Raleigh Benefit Advisory

October 5, 2022

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For most employers, employee benefits represent a significant portion of their overall budget and a critical part of their employee recruitment and retention strategy. Benefits vary from employer to employer but can range from medical or dental insurance to flexible spending accounts, life and disability insurance, and more. The annual process of renewing those benefits … Continued

5 Tips to Save Money on Health Care: Part 2 | JRW Associates, Inc., a Raleigh Benefit Advisory

June 13, 2022

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Smart spending can keep your health care from costing an arm and a leg. With costs rising on everything from gas to food, every penny counts. It pays to shop smart – that is why it helps to learn how to take steps to limit your out-of-pocket health care costs. Save Money on Prescriptions Go … Continued

Category: Health Insurance

Understand Your Spending Power: What You Can Buy with Your FSA, HSA, or HRA | JRW Associates, Inc., a Raleigh Benefit Advisory

Benefits 101: What Is an HDHP? | JRW Associates, Inc., a Raleigh Benefit Advisory

Health Insurance Basics: Part 3 | JRW Associates, Inc., a Raleigh Benefit Advisory

Health Insurance Basics: Part 2 | JRW Associates, Inc., a Raleigh Benefit Advisory

Health Insurance Basics: Part 1 | JRW Associates, Inc., a Raleigh Benefit Advisory

Using a Flexible Spending Account (FSA) | JRW Associates, Inc., a Raleigh Benefit Advisory

Benefits 101: Premiums, Deductibles, Copays, and Out-of-Pocket Maximums | JRW Associates, Inc., a Raleigh Benefit Advisory

Why Health Insurance Matters | JRW Associates, Inc., a Raleigh Benefit Advisory

Leveling Up Your Open Enrollment Game: Tips for Success | JRW Associates, Inc., a Raleigh Benefit Advisory

5 Tips to Save Money on Health Care: Part 2 | JRW Associates, Inc., a Raleigh Benefit Advisory

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