Creative Benefits Inc

Thank you Ed Hourigan for a decade of dedication and hard work!

Learn how the SECURE 2.0 Act could impact your 401(k) and similar plans.

IRS Guidance on Student Loan Match Programs - Creative Benefits Inc. The IRS recently issued Notice 2024-63, offering interim guidance for sponsors of 401(k) and similar retirement plans.

Our team member Audrey shared this from our client’s Associate Director of HR on behalf of Creative Benefit, Inc.’s ESR Team:

Prescription drugs are up 16% from 2024 – here’s what employers are doing.

Employers Project 8% Increase Health Care Costs in 2025 - Creative Benefits Inc. In a recent survey of employers from the IFEBP, employers have estimated a median 8% increase in health care costs for 2025.

Congratulations to our team member Paola Borda on her 5-year journey with us! Your dedication and hard work are truly appreciated.

Nearly 72% of adults dedicate less than an hour to reviewing their health benefits.

Communication With Employees as Open Enrollment Approaches - Creative Benefits Inc. As the 2025 open enrollment season approaches, employers may now enhance their benefit offerings and communicate them to their employees.

At the heart of Creative Benefit’s success is our commitment to supporting the needs of our clients and guiding them in difficult situations. Our team member Kathy shared this from our client’s HR team on behalf of one of our Account Managers, Angelique. Great work!

As you age, your immune system's ability to fight infections weakens, making you more vulnerable to diseases – here’s what you should know.

Importance of Regular Immunizations - Creative Benefits Inc. By staying updated with recommended vaccines, adults can greatly reduce their risk of contracting preventable diseases.

Congratulations to Julie Kapusta for 15 years at Creative Benefits. We thank you for your dedication and years of commitment!

The Centers for Medicare and Medicaid Services can now issue warning notices, post deadlines for correction, and exact monetary penalties if the hospital or hospital system falls short.

Information for Employers Regarding Hospital Price Transparency - Creative Benefits Inc. Three years ago, the Hospital Transparency Rule was enacted, requiring all hospitals to disclose the amount charged for their services and insurer-negotiated rates.

Over the past two weeks, Marlene, a dedicated member of our Employee Service Representative (ESR) team, was able to provide support to a client in urgent need of assistance. It left a lasting impression on the Director that Marlene provided support on her day off, ensuring the client was able to obtain the correct medicine. Great job Marlene!

Celebrating a decade of service and dedication. Congratulations to Marleene Loose on your 10-year anniversary with Creative Benefits, Inc. We appreciate and thank you for your continued commitment and hard work!

Did you know the ACA does not require a plan to have any waiting period at all nor does it prevent the plan from having a waiting period shorter than 90 days?

90-Day Waiting Period Limit Under the Affordable Care Act - Creative Benefits Inc. The Affordable Care Act mandates that group health plans and insurance issuers cannot have a waiting period exceeding 90 days.

Creative Benefits, Inc. has some exciting news…. Cami has passed her licensing exam - on her first attempt! Please join us in congratulating her on her hard work. We are so proud of you!

Despite requiring savings of at least $1.46 million for retirement, the average American has managed to save only $88,400.

Addressing America's Retirement Savings Crisis - Creative Benefits Inc. The United States is currently grappling with a significant retirement savings crisis. Many Americans find it challenging to save for retirement.

At the heart of Creative Benefit’s success is our commitment to valuing relationships with our clients, putting their needs and satisfaction first.

Our team member Malorie shared this from our client’s Associate Director on behalf of one of our Account Managers, Danielle:

Improving diet quality can reduce the risk of dying from cancer, heart disease, and respiratory disease. Here is what employers should know.

How Employers can Have Influence in Diet and Disease Prevention - Creative Benefits Inc. Diet plays a significant role in disease prevention, management, and general health, influencing how frequently an employee visits the doctor .

On June 21, the 5th Circuit upheld the District Court’s ruling – here is what you should know.

Health Plans to Continue Providing Free Preventative Care - Creative Benefits Inc. The 5th U.S. Circuit Court ruled that part of the ACA is unconstitutional and insurance must cover these preventive health services.

We are thrilled to share another client testimonial. Great job to Kaitlynn for her exceptional communication and organizational skills. Your dedication and professionalism make all the difference, and our clients notice it!