Resources

MEDINA, OHIO, Oct. 2, 2023 – InsureOne Benefits, which has been providing personalized service to help individual clients find the appropriate health care coverage for their needs for more than 23 years, has changed its name to UROne Benefits. As a member of the Unison Risk Advisors family of companies,…

Oswald Companies’ Nicki Miklos of UROne Benefits explains why and how Medicare Advantage Plans may benefit employees and employers alike. One of the more confusing and complicated decisions an employee has to make is what to do when they or their spouse turns 65 and becomes Medicare eligible, especially if…

The challenge of managing the ever-increasing cost of health insurance has become more difficult as additional factors contribute to the number and frequency of claim occurrences due to an aging workforce and an increase in events that trigger COBRA eligibility. Employers may not be able to eliminate or control the…

For employers, workers age 65 and over add a needed dimension of experience and knowledge to the workforce. Individuals working beyond age 65 is a growing trend. Medicare-Eligible Employees Have Options Employees turning 65 are inundated with Medicare plan information online, by mail, by phone and through well-meaning (but often…

Planning for retirement can be an exciting time, but it can also bring some apprehension. Though it should always be somewhere on the radar, if you’re within 10 years of retiring, it’s time to start seriously thinking about how life will look for you financially. Health care costs are one…

What exactly is Short-Term health insurance? A Short-Term plan provides temporary coverage to help pay for hospital and medical claims when employer health insurance or ACA coverage is not available or affordable. Until recently, these plans could only be purchased to provide coverage for up to three months. This type…

Check out the Crain’s Cleveland article written by Frank Spinelli, VP, Director of Affinity Groups and Emerging Markets. In the feature, Frank explains how Individual Coverage Health Reimbursement Arrangement (ICHRA) is redefining employer-sponsored health insurance and how UROne and Oswald have taken the lead for their clients. Contact Frank: fspinelli@oswaldcompanies.com…

Some people have no trouble with weight control, but the other two-thirds of Americans are overweight. Obviously, it’s not always easy to get to a healthy weight – and then to maintain it, but it’s possible by taking the right steps. 1. Eat a balanced diet Don’t follow fad diets. Your…

High-deductible health plans (HDHP) are attractive because they seemingly reduce your health care spending, but that’s not always the case. With a low-deductible plan, you’ll have predictable medical expenses and typically better coverage, but also higher monthly premiums. Turning to a plan with a lower premium and a higher deductible…

Juggling a career, caring for your family and other responsibilities can put you in a position of financial disadvantage when it’s time to retire. Maybe you chose to stay home with your children, giving you less of an opportunity to accrue the same amount of savings as your husband. Perhaps…

With innovation has come an inability to cope.   Advanced technology has provided people with many more choices to make. Think about your options just at your local coffee shop. Add in the multitude of apps and opportunities to communicate with the world that your smartphone offers, and it’s no…

There are pros and cons to getting older. You get more time to sit back and relax. On the other hand, you’re at a higher risk for some medical conditions, including digestive health issues. Here are a few ways to manage common digestive health issues for seniors. Constipation This is…

Never leave the country without considering your health care needs. You don’t want to find yourself in a foreign land, vulnerable to a huge health care bill, should you find yourself ill or get into an accident. Before you go, know whether your primary health insurance plan provides coverage outside…

If you’re like most people, you think of arthritis as having painful, stiff joints that are swollen and red, but arthritis shows up in different forms. The most common types of arthritis for those over 65 are osteoarthritis, rheumatoid arthritis and gout. Let’s take a closer look at each and…

Depression can happen to anyone, no matter their age, gender or any other distinction you can think of.   It’s one of the most common disorders, affecting many Americans at some point during their lifetime. The number of people with undiagnosed depression is most likely far higher. While aging isn’t…

If you’re turning 65, there are some important decisions that’ll have to be made concerning your health care options.   Current rules and how they affect you Here’s what you need to know. For those born between January 2, 1955, and January 1, 1956, the age at which you can…

Editor’s note: This post was originally published on 12/7/16 and has been updated for accuracy and comprehension.   The winter season holds many perks: Beautiful, snowy surroundings, cozying up around the fireplace, and the holidays are just a few. But along with these wonderful events come nasty viruses and colds.…

If your health care coverage is currently supplied by the marketplace, when you turn 65, you need to know the options available to you. Even if your 65th birthday is years away, it’s never too soon to plan for the future. The good news is you don’t have to do…