Resources

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…

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.…

It happens every fall. Just as the leaves are sure to change, the Medicare Annual Enrollment Period begins. It’s prime time to sign up for a Medicare plan, and it’s an opportunity to make changes to your existing plan. If you want to go beyond the standard benefits included in…

Whether you’re new to Medicare or have already enrolled in a Medicare plan in the past, the terminology can be confusing to understand. Here’s what you need to know to successfully talk the Medicare talk during the Medicare Annual Election Period. Premium. What you’ll pay monthly for your Medicare health…

Each generation has its own health concerns. While there’s no reason to be afraid, it’s a good idea to be aware so that you can be proactive about prevention. Knowing what’s out there can also inform the decisions you make about your health care, especially during the season of Marketplace…

You’ve probably heard about short-term health insurance, whose purpose is to fill the gaps between regular health insurance coverage. For example, maybe you’re a recent college graduate, you’re between jobs or you’re retiring early. Each of these situations could be a time when you would need short-term health insurance. Let’s…

Times, they are a changin’. Speaking of your health care options, that is. As Marketplace Open Enrollment is in full swing (Nov. 1 through Dec. 15), it’s time to start reviewing your current plan and weighing your options, including short-term health insurance. What is short-term health insurance? This type of coverage is…

You’ve accumulated years of wisdom and you’re able to take the time to relax in retirement, enjoying the fruits of years of labor. However, aging can cause some anxiety. Let’s take a look at some of the common worries seniors face. 1. Loneliness Relationships can change as you age. You may…

The open enrollment season is coming up. Avoid these common mistakes. 1. Letting open enrollment pass you by Don’t automatically re-enroll in your Marketplace health insurance plan. This is perhaps the worst mistake you make during open enrollment. From one year to the next, carriers may make sweeping changes to…

No matter your age, it’s important to stay on top of your body’s nutritional needs. Those requirements shift as you get older. Let’s take a look at some of the changes that occur, as well as special nutrition needs for seniors. Speak with One of Our Advisors Your changing needs…

Now is the time to start re-evaluating your health insurance needs for the new year. It can seem like a major headache to deal with wading into the health insurance coverage waters again, but it’s well worth your while. Consider any changes you or your family have experienced in terms…

Did you know that exercise can slow down the aging process? One way to stay physically active is to get involved in a SilverSneakers program in your area. Let’s take a look at what the program is and how it can help you. What’s SilverSneakers all about? It’s a fitness…

The open enrollment period to purchase an individual or family insurance policy on the Marketplace is the only time you can change, update or cancel your policy – without penalty or having to qualify for a life event. Take advantage of this time to explore your options and find the…

    Open enrollment season is coming up. Check out these reasons to start exploring your options for health care coverage. 1. Everyone needs a check-up. Not only should you be seen yearly for mammograms and other preventive care, at some point you may get sick and require an antibiotic…

Medical bills can sometimes seem like they’re written in a foreign language, but it’s important to understand the contents to avoid paying too much. Insurance carriers have tried to ease your pain by providing an explanation of benefits (EOB); however, that can also be hard to decipher. Here are a…

You need your medication. That’s non-negotiable. Even if they cost a lot.   Consider these steps to lower your prescription costs: Go for a generic brand. Generic medications can cost significantly less than a name-brand drug. Check with your insurance company’s formulary to find out which comparable medication your policy…

If only purchasing Medicare was as easy as one-and-done. You spend a ton of time figuring out how Medicare plans work and choosing the best plan for you. Then, poof: The government makes one “simple” change and the dominos start to fall.   That’s what’s happened with Medicare Plan F…

As a traveler, you spend a lot of time planning the trip, choosing sights to see, and dreaming about the visit. But you’re probably overlooking one important factor: health insurance.   If you’re heading abroad for a leisure trip, going for business or spending a semester as a student, it’s…