VantagePointe Benefit Solutions

10/13/2026

Not all workplace perks are one-size-fits-all anymore! ✨ Lifestyle Spending Accounts (LSAs) are a flexible, employer-funded benefit that let employees use funds for things that actually matter to THEM: wellness, mental health support, financial planning, childcare, and more.

LSAs put more spending choices in employees' hands. Maybe that means covering a few therapy sessions, a financial planning consultation, backup childcare, or a new pair of running shoes. The point is flexibility: everyone's life looks different, and their benefits can too. 💪

For employers, LSAs can be a great way to show employees their wellbeing matters in a practical way, not just on paper.

Employers: have you considered adding an LSA to your benefits lineup? Employees: what would you use yours for? 👇 Tell us in the comments — we'd love to hear!

10/09/2026

Cinnamon Apple Crescent Roll-Ups 🍎🥐🍂

Peel and dice 2 fresh apples. Add them to a small pot with 2 tablespoons butter, 2 tablespoons brown sugar, 1 teaspoon cinnamon, and a splash of vanilla. Cook over medium heat for about 5–7 minutes, stirring occasionally, until the apples begin to soften and the mixture becomes syrupy.

Unroll 1 package of refrigerated crescent rolls and spoon a small amount of the warm apple mixture onto the wide end of each triangle. Roll them up and place on a baking sheet. Brush with a little melted butter and sprinkle with cinnamon sugar.

Bake at 375°F for 12–15 minutes, or until golden brown.

Serve warm and enjoy!

10/07/2026

Medicare’s new GLP-1 Bridge program is creating another pathway for eligible beneficiaries to access certain weight-management medications.

The temporary program began July 1, 2026, and is scheduled to run through December 31, 2027. As of August 2026, it includes Wegovy, Foundayo and Zepbound (KwikPen only) for a $50 monthly copay. Ozempic and Mounjaro are not included.

Eligibility depends on both Medicare drug coverage and health criteria. Beneficiaries may qualify with a BMI of 35 or higher, or with a lower BMI plus certain conditions, such as prediabetes, uncontrolled high blood pressure, chronic kidney disease, certain heart conditions, or a previous heart attack or stroke.

A standalone Part D plan isn’t required. Members of eligible Medicare Advantage plans with prescription drug coverage can qualify as well.

There are additional eligibility requirements and exclusions, so the best place to start is with a health care provider, who can determine whether the clinical requirements are met.

Have questions about how the GLP-1 Bridge fits with your Medicare coverage? We’re happy to help you understand your options.

10/06/2026

Wonderful presentation featuring Kalin Sheick presented by Albion, Battle Creek Chamber of Commerce, 19zero9 and Choose Marshall. Absolutely fantastic! Would look forward to more, thank you for bringing something new to the community ❤️

10/06/2026

Find a wealth of important and useful information in the official "Medicare & You 2026" handbook! You can download the handbook, receive it via email, or request special formats (like large print.)

The

10/05/2026

Traditionalists, Baby Boomers, Gen X, Millennials, and Gen Z: for the first time, five generations are working side by side. That's great for collaboration, but it makes designing one benefits plan that fits everyone a real challenge.

A 24-year-old paying off student loans and a 65-year-old coordinating benefits with Medicare have very different priorities. Offering the exact same package to both often means one of them feels overlooked.

The fix isn't necessarily more benefits. It's more choice. Flexible options like lifestyle spending accounts or expanded voluntary benefits let each employee choose what actually fits their life stage.

If you're an employer, when's the last time you looked at how your benefits are actually being used across different age groups? It might be time for a fresh look.

Curious how your team approaches this? Let us know, and if you'd like a second set of eyes on your current plan, we're happy to help.

10/02/2026

Even if you are feeling one step behind, is it a comfort that the stores are at least two steps ahead? 🎃 🎄

10/01/2026

Happy International Coffee Day! ☕ October 1 is a good excuse to appreciate that beloved cup that starts the morning, fuels an afternoon conversation, or gives us five quiet minutes before the day gets busy.

Coffee preferences can be surprisingly personal. Some people want a carefully measured pour-over. Others want a giant mug, a splash of cream, and no further questions until it is empty. Hot, iced, sweet, black, decaf, or strong enough to wake the whole neighborhood, the best cup is the one made the way you like it.

What is in your cup today? Tell us your favorite coffee order below. If you have an insurance question brewing, contact our office to talk through your options.

10/01/2026

Breast Cancer Awareness Month is a reminder to turn awareness into at least one practical step. That could mean scheduling an overdue appointment, writing down your family health history, asking your doctor about screening, or learning what is normal for your body. ♥

Possible warning signs can include a new lump in the breast or underarm, thickening or swelling, skin dimpling or irritation, or a change in breast size or shape. Many breast changes are not cancer, but an unexplained change should be discussed with a healthcare professional, even after a recent normal mammogram.

It also helps to know how your insurance works. A routine screening mammogram may be handled differently from diagnostic imaging ordered to evaluate a symptom or follow up on a finding. Network rules, referrals, prior authorization, and out-of-pocket costs can vary by plan and service.

If you have questions about how your plan may cover preventive screening, diagnostic tests, prescriptions, or specialist care, contact our office. We can help you understand your benefits and prepare useful questions before the appointment.

09/30/2026

The Medicare Part D Premium Stabilization Demonstration is ending after 2026. This is a temporary federal program that helped stabilize premiums for some standalone Medicare Part D drug plans.

Does that mean your premium will automatically go up in 2027? Not necessarily. The impact will vary by plan, and total prescription costs depend on more than monthly premiums.

What should you do? Start by reviewing your Annual Notice of Change (ANOC) to see updates regarding your premium, coverage rules, out-of-pocket costs, and pharmacy network.

Once you know what's changing, talk to us to compare your current plan with the Part D options available for 2027. We will evaluate:

• What your prescriptions will cost
• Whether your medications are still covered and any new rules to get them covered
• Any changes to your deductible
• Whether your usual pharmacy is still preferred or in-network

Medicare Open Enrollment runs October 15–December 7. Even if you're happy with your current plan, reviewing your ANOC and comparing your options can help you determine whether your coverage still fits your needs for the year ahead.