Specialty Drug Coverage: What Small Businesses Need to Know
Learn how specialty drugs work in employee health plans, why they require prior authorization, and how to manage costs while providing essential coverage for your team.
Health Insurance
Telemedicine Benefits: Virtual Care for Small Businesses
Learn how telemedicine benefits work, what virtual care services employees can access, and why offering telehealth options helps with recruiting, retention, and reducing healthcare costs for your business.
Understanding Prescription Drug Coverage Tiers
Learn how pharmacy benefit tiers work, from generic to specialty drugs. Understand how tiering affects employee costs and why formularies matter for your business health plan.
FSA vs HSA: Which Account Is Right for Your Business?
Learn the key differences between FSAs and HSAs, including eligibility requirements, contribution rules, rollover provisions, and which account type works best for different business situations.
HSA-Qualified Health Plans: A Complete Guide for Employers
Learn what makes a health plan HSA-qualified, how high-deductible health plans work, the triple tax advantage for employees, and why Long Island businesses are choosing this cost-effective benefits strategy.
Understanding Health Insurance Deductibles, Copays & Coinsurance
Learn how deductibles, copays, and coinsurance work together in health plans. Clear explanations with examples to help you choose the right cost-sharing structure for your Long Island business and communicate it effectively to employees.
Health Insurance Networks: In-Network vs Out-of-Network
Learn how provider networks work, why in-network care costs less, and how to help your employees choose the right doctors. A complete guide for Long Island business owners offering health benefits.