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Health Insurance

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Spousal Coverage Surcharges: Working Spouse Rules Explained

Learn how spousal surcharges work in health plans, why employers use them to control costs, and how to implement working spouse rules while maintaining employee satisfaction.

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Reference-Based Pricing: A Smart Healthcare Cost Strategy

Learn how reference-based pricing can reduce your company's healthcare costs by setting payment limits based on Medicare rates, plus key considerations for implementation.

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Healthcare Cost Management Strategies for Small Businesses

Learn practical strategies to control rising healthcare costs while maintaining quality employee benefits. Discover plan design options, employee incentives, and cost containment methods that work for small businesses.

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Domestic Partner Benefits: A Guide for Long Island Employers

Learn how domestic partner benefits work, their tax implications, legal requirements, and whether offering these benefits makes sense for your Long Island business to attract and retain top talent.

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Dependent Coverage: Who Qualifies and What You Need to Know

Learn the essential rules for dependent coverage in employee benefits - from age limits to verification requirements. A complete guide for business owners navigating dependent eligibility policies.

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Health Plans Explained: PPO vs HMO vs EPO vs HDHP Guide

Confused by health plan acronyms? Learn how PPO, HMO, EPO, and HDHP plans work, their pros and cons for employers and employees, and which type fits your Long Island business best.

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Medicare Coordination for Older Employees: A Guide

Learn how Medicare coordination works when employees 65+ stay on your group health plan. Understand primary coverage rules, avoid gaps, and keep valued older workers happy.