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11 Minutes to a Longer Life

Living a longer, healthier life requires physical activity, eating healthy, and routine visits to the doctor. When these three factors work together, it allows you to stay your healthiest. In turn- your odds of living longer increase.
Physical activity doesn’t always mean an intense hour-long workout at the gym every day. While this form of exercise has great benefits, it’s not for everyone.

Opt-in vs Opt-out Health Insurance: What You Need to Know

Large employers offering employees health benefits need to choose between opting all employees in automatically, encouraging them to opt-in, or making them opt out of health benefits. When it comes to health insurance, opting in and out plays a key part in enrollment. Using the right strategy can help you as a large employer provides coverage for your employees.

How Do I Get My Employees to Sign Up for Health Insurance?

All businesses with over 50 full-time employees are required to offer health insurance or be penalized $3,860 per uninsured employee. Our Affordable Care Act (ACA) compliant MEC benefits calculator breaks down the cost of remaining incompliant vs. annual costs with MEC here. Offering Minimum Essential Coverage benefits saves over $180,000,000 annually.

How to Eat Healthy on a Budget

Healthy eating doesn’t have to mean organic and overpriced. It’s possible to have a healthy diet while on a budget. You can still pick fresh produce that gives important nutritional value to your diet without breaking the bank.

Why is offering MEC benefits more affordable than not?

The Affordable Care Act (ACA) was created in 2010. It was designed to ensure healthcare is affordable and available to more people. Under the ACA regulations, applicable large employers (ALE) are required to provide minimum essential coverage to 95% of their full-time or full-time equivalent employees (someone who works at least 30 hours per week). Companies who qualify as ALE have at least about 50 full time employees in a calendar year.

Voluntary Affordable Benefits Plans — why you should use them

Voluntary benefits are referred to as employee-paid benefits or supplemental insurance. They are benefits offered by employers to their employees at no additional cost to the employer. The employees pay the full cost of the plan, but it’s made available to them through their employer.

Pregnancy and Minimum Essential Coverage

SBMA’s Minimum Essential Coverage (MEC) Benefits plan provides expecting mothers the resources to screen for potential risk factors that impact the mother and baby. Some conditions or complications that arise during pregnancy are not easily recognizable, and may require screening and testing for a diagnosis.

How Do Benefits Improve Employee Morale?

Sixty percent of employees rated benefits as a very important contributor to job satisfaction. With that many employees placing value on employee benefits, it’s important that you, as an employer, ensure your benefits are set up and attract and retain the best employees. According to Career Builder, only 49% of employees are satisfied with their current benefits, which means you have the opportunity to make your benefits even better to appeal to 51% of your employees!

How Voluntary/Worksite Benefits Can Help Employee Retention

Attracting and retaining the best employees is likely of the utmost importance to you and your business. There are many ways to show your employees you care. One of the most effective ways is through offering voluntary benefits as part of your health insurance plans.

Make Preventative Care a Priority in 2021

Your Guide To A Healthy 2021!

The New Year is upon us!  I think we all can agree, 2020 has been a year unlike any other. As we look to the new year and reflect on the past 365 days, how are you planning on keeping your health a top priority in 2021?