Bridged Benefit Solutions

05/18/2026

Health Savings Accounts (HSAs) can seem complicated at first, but they are actually one of the most valuable tools available with a qualified high-deductible health plan.

An HSA allows you to:

Set aside pre-tax money for healthcare expenses

Grow funds tax-free over time

Pay for qualified medical expenses tax-free

And unlike some other healthcare accounts, the money is yours to keep year after year. No use it or lose it!

But HSAs also come with eligibility rules and contribution limits, which is why understanding how they work matters.

Because benefits work best when people actually understand how to use them.

We make employee benefits work for you!

05/17/2026

Bridged Benefit Solutions is looking for a motivated and relationship-driven Business Development Representative to join our team as a 1099 independent contractor.

This opportunity is ideal for someone who:
* Enjoys networking and building relationships
* Wants flexibility and entrepreneurial freedom
* Is interested in creating residual income
* Wants to help businesses navigate employee benefits with confidence

At Bridged Benefit Solutions, we help businesses simplify employee benefits through year-round service, compliance support, employee education, and modern enrollment solutions.

What we are looking for:
• Strong communication and relationship-building skills
• Self-motivated and goal-oriented mindset
• Sales, networking, HR, payroll, or insurance experience preferred (but not required)
• Must hold or be willing to obtain a Michigan Life, Accident & Health Insurance License

What we offer:
* Flexible remote work environment
* Performance-based compensation with uncapped earning potential
* Opportunity to build residual income
* Supportive boutique agency environment with deep industry expertise

If you are interested in learning more, please reach out!

Angela Mitchell
Bridged Benefit Solutions
[email protected]
(248) 250-2420

04/30/2026

I often get questions about how offering your employees benefits can help reduce taxes for a small business. This is a fantastic podcast that outlines your options and other things to consider!

Podcast Episode · SMALL BUSINESS FINANCE – Your Guide to Business Tax Planning & CPA Tax Advice · April 27 · 24m

04/21/2026

04/14/2026

Open Enrollment should not be the only time your employees hear about their benefits. But, for many companies it is.

Employees sit through an Open Enrollment meeting once a year, make elections, and then are expected to understand and use their benefits for the next 12 months. And then we wonder why:
• Employees do not understand their plans
• Benefits feel underutilized
• Frustration builds throughout the year

The truth is that benefits are not a one-time event, they are something your employees use all year long. That is why communication should not stop after Open Enrollment.

Bridged Benefit Solutions is here year-round to:
* Remind employees how their plans work
* Help them when life events happen
* Answer questions throughout the year
* Assist with claim issues

Benefits only work if people understand how to use them and that does not happen in just one meeting a year.

At Bridged Benefit Solutions, we make employee benefits work for you!

04/09/2026

Getting a denial letter from your insurance company can feel overwhelming and frustrating. But before you panic or assume it is the final answer, take a deep breath and start with this:

Read the entire letter.

99% of the time, somewhere in that notice is the reason for the denial. It may not be front and center, and it is often written in technical language, but it is there. Understanding that reason is key to determining your next step.

Was it denied due to:
• Missing information
• A coding issue
• Not meeting medical necessity criteria
• Out-of-network services

Each of these situations has a different path forward.

Once you understand the “why,” you can take action which could include:
• Providing additional documentation
• Working with your provider to resubmit
• Filing an appeal with supporting medical records
• Asking for a peer-to-peer review

A denial is not always the end of the road; it is often just the beginning of the process.

At Bridged Benefit Solutions, we make employee benefits work for you!

04/06/2026

Listening to your employees when it comes to benefits is incredibly important. After all, your benefits package should reflect what your team truly values, not just what has always been done. However, there is a balance.

We often see employers make major changes based on feedback from one very vocal employee. While that “squeaky wheel” can be hard to ignore, it is important to step back and look at the bigger picture.

Are you hearing consistent feedback from multiple employees or is it just one loud employee?
The reality is, the most vocal employee is not always representative of your team. In fact, we often find that those individuals may be generally dissatisfied and sometimes end up leaving the company regardless of benefit changes.

The goal is not to ignore feedback but to evaluate it thoughtfully.
• Gather input from your full team
• Look for trends, not one-off opinions
• Make decisions that support the majority

The right plan is not about reacting, it is about a long-term well thought out strategy.

We make employee benefits work for you!

03/12/2026

When reviewing the prescription coverage on your health plan, one term you might see is formulary.

What is a formulary?
A formulary is your health plan’s approved list of prescription medications. It tells you which drugs are covered and how much you will pay for them.

How it works:
Medications are usually placed into tiers, and each tier has a different cost level:
Lower tiers = lower cost (often generic drugs)
Higher tiers = higher cost (brand-name or specialty drugs)

Why it matters:
If a medication is not on your plan’s formulary, it may not be covered. Checking the formulary before filling a prescription can help you avoid surprises at the pharmacy.

Always ask your doctor or pharmacist if there is a formulary alternative if a prescription is expensive.

Understanding your formulary helps you make smarter healthcare and financial decisions.

03/05/2026

Did you know you may already have access to confidential counseling and support and not even realize it?

It is called an Employee Assistance Program (EAP) and it is often embedded right into your current employee benefits package.

What is an EAP?
An Employee Assistance Program provides free, confidential support for employees and their families. It is designed to help with real-life challenges that can impact work and home life.

An EAP may offer:
✔Short-term counseling sessions
✔ Mental health support
✔ Financial or legal guidance
✔ Work-life resources
✔ Family and relationship support
✔ Substance use assistance

In many cases, an EAP is already included in your employer sponsored Life or Disability plan at no cost to you!

These programs are confidential, easy to access, and incredibly valuable.

If you are not sure whether your company offers an EAP, it is worth asking.

You may have more support than you think!

02/26/2026

Understanding your health insurance should not feel like learning a new language.

Let’s break down three terms that you may see as part of your insurance plan:
• Deductible
• Coinsurance
• Copay

Deductible:
This is the amount you pay out of pocket for many covered services before your insurance starts sharing costs. These are often times services that take place outside of your doctor’s office such as an MRI, surgery or lab tests.

Coinsurance:
Once your deductible is met, coinsurance kicks in. This is the percentage of costs you share with your insurance company. For example, your plan may pay 80% of services and you will pay 20%.

Copay:
A copay is a fixed dollar amount you pay for certain services, like a doctor’s visit or prescription. Copays often apply even if you have not met your deductible yet.
Knowing these three terms can make a huge difference when choosing a plan and planning for healthcare costs.