Centric Benefits Consulting

Centric Benefits Consulting Centric provides a full range of employee benefits brokerage services including Medical, Dental, Life, Prescription Drug Plans, Disability, and more.

At Centric, the client is always at the heart of everything we do. We spend a great deal of time discussing your individual needs, assessing the areas that work and those that need improvement. Throughout this process, we are always mindful of delivering the best benefits program to you in the most cost effective way. What we design for you won’t look the same as what we design for our other clien

ts because we want to make sure that your unique needs are satisfied. When you sign on with Centric Benefits, we respect your commitment and in return we deliver unparalleled personal service to you. We are in this relationship for the long-term and we work diligently on your behalf to bring value to your employee benefits management and insurance programs. We use our collective talent, industry knowledge, and perseverance to support your insurance goals. Remember when knowledgeable, helpful people answered the phone? At Centric, they still do. We promise that when you call Centric, you will find informed and experienced professionals at the ready to assist you. Give us a call today to get started.

We hope everyone had a Happy Labor Day!
09/08/2026

We hope everyone had a Happy Labor Day!

2027 Open Enrollment Trends to WatchOpen enrollment is no longer just an annual administrative task. Rising healthcare c...
09/01/2026

2027 Open Enrollment Trends to Watch

Open enrollment is no longer just an annual administrative task. Rising healthcare costs, evolving employee expectations, and new technologies are reshaping benefits strategies for 2027.

Key trends employers should monitor: ✅ Healthcare costs projected to rise 9% or more ✅ Growing demand for women's health and family-building benefits ✅ Increased focus on GLP-1 coverage decisions ✅ AI-powered benefits enrollment tools ✅ Expansion of nontraditional benefits like gym memberships, pet insurance, and financial wellness programs

Organizations that take a proactive approach to benefits planning will be better positioned to control costs while meeting the needs of today's workforce.

Is your benefits strategy ready for 2027?

The Importance of Good HousekeepingA clean and organized workplace is one of the simplest and most effective ways to pre...
08/27/2026

The Importance of Good Housekeeping

A clean and organized workplace is one of the simplest and most effective ways to prevent injuries on the job.

Good housekeeping goes beyond basic cleaning. It means keeping work areas free of hazards, storing materials properly, cleaning up spills immediately, and maintaining clear walkways, exits, and workstations.

✅ Benefits of good housekeeping:
• Fewer slips, trips, and falls
• Reduced fire hazards
• Better access to exits and emergency equipment
• Lower risk of chemical exposure and spills
• Improved productivity and morale
• A more professional workplace

Remember:
✔ Clean up spills right away
✔ Return tools to designated storage areas
✔ Keep walkways and exits clear
✔ Dispose of waste regularly
✔ Report hazards immediately

Good housekeeping is everyone's responsibility. Taking a few extra minutes to clean up and stay organized can help prevent serious injuries before they happen.

Auto-renewing your benefits this year? Take a moment before clicking "submit."Auto-renewal is convenient, but your benef...
08/24/2026

Auto-renewing your benefits this year? Take a moment before clicking "submit."

Auto-renewal is convenient, but your benefits should reflect your current needs, not last year's circumstances.

Before open enrollment ends, ask yourself:

✅ Did my life change this year?
✅ Are my current plan costs still the best option?
✅ Am I missing out on HSA contributions, wellness incentives, or other available funds?
✅ Are my prescriptions and ongoing care still covered?
✅ Have I reviewed my beneficiaries and dependents?

A few minutes spent reviewing your elections now can help you avoid coverage gaps, unnecessary costs, or missed opportunities throughout the year.

Remember: auto-renewal is a default, not a decision.

If you have questions about your benefits, reach out to your HR team or benefits administrator.

Avoiding Common Open Enrollment Compliance MistakesOpen enrollment is one of the most important benefits communication p...
08/20/2026

Avoiding Common Open Enrollment Compliance Mistakes

Open enrollment is one of the most important benefits communication periods of the year, but it's also when costly compliance mistakes can happen.

Employers should be aware of five common pitfalls:

✅ Not clearly communicating benefit changes
✅ Missing required health plan notices
✅ Failing to provide materials to all eligible individuals, including COBRA participants
✅ Overlooking enrollment deadlines and election rules
✅ Not disclosing reasonable alternative standards for wellness programs

Clear communication, timely notices, and consistent enrollment practices can help employers reduce compliance risks while ensuring employees make informed benefit decisions.

Now is the time to review your open enrollment process and confirm that all required materials and notices are ready for distribution.

Prioritizing Wellness During the School YearThe return to school brings excitement, new opportunities, and often a few c...
08/18/2026

Prioritizing Wellness During the School Year

The return to school brings excitement, new opportunities, and often a few challenges for both children and caregivers. New routines, busy schedules, extracurricular activities, and back-to-school anxiety can leave families feeling overwhelmed.

As the school year begins, take time to check in with your children and watch for signs of stress, such as changes in mood, sleep habits, energy levels, or concentration. Open conversations can help children feel supported as they adjust to new classrooms, teachers, and social situations.

Parents and caregivers should also prioritize their own well-being by:
✅ Setting realistic expectations
✅ Creating routines and schedules
✅ Establishing healthy boundaries
✅ Getting enough sleep, exercise, and nutritious meals
✅ Using weekends to recharge
✅ Asking for help when needed

Remember: taking care of yourself helps you take better care of your family. If stress, anxiety, or burnout become overwhelming, consider talking with your manager about available workplace resources or reaching out to a healthcare professional.

Silent Burnout: The Workplace Risk You May Not See ComingBurnout is often associated with missed deadlines, disengagemen...
08/17/2026

Silent Burnout: The Workplace Risk You May Not See Coming

Burnout is often associated with missed deadlines, disengagement, and absenteeism. But what happens when employees appear productive, engaged, and successful while quietly struggling?

This is known as silent burnout, and according to Spring Health's 2026 Workplace Mental Health Annual Report, HR leaders estimate that 30% of employees may be experiencing it right now.

Unlike traditional burnout, silent burnout often hides behind strong performance. Employees continue meeting expectations until they reach a breaking point, which can lead to health challenges, resignation, or a sudden decline in work quality.

Signs leaders should watch for:
✅ Reduced initiative and creativity
✅ Declining work quality without complaints
✅ Working longer hours with little additional output
✅ Pulling back from team activities and mentorship opportunities

Organizations can help by creating psychological safety, training managers to have meaningful workload conversations, addressing excessive workloads, and promoting mental health resources.

Don't wait for burnout to become visible. Proactive support can help protect employee well-being and retain top talent.

Are you waiting until open enrollment ends to evaluate success? You may be missing valuable opportunities.While post-enr...
08/11/2026

Are you waiting until open enrollment ends to evaluate success? You may be missing valuable opportunities.

While post-enrollment analysis is important, monitoring key metrics throughout the enrollment period can help employers make real-time improvements to the employee experience.

Tracking data such as enrollment completion rates, employee engagement levels, communication effectiveness, decision-support tool usage, and educational session attendance can provide insight into what's working and where employees may need additional support before enrollment closes.

As benefit costs continue to rise, helping employees make informed decisions has never been more important. Real-time enrollment metrics can empower employers to improve communication, increase participation, and create a smoother enrollment experience.

Mental health is no longer just a wellness initiative. It is a business priority.As employers look ahead to 2026, five t...
08/10/2026

Mental health is no longer just a wellness initiative. It is a business priority.

As employers look ahead to 2026, five trends are shaping the future of workplace mental health:

✅ AI-powered mental health support is becoming mainstream
✅ Employees expect better benefits and communication around available resources
✅ Burnout prevention remains a critical focus
✅ Financial wellness is increasingly recognized as a mental health issue
✅ Mental health-related leave is on the rise

The organizations that take a proactive, integrated approach to employee well-being will be better positioned to drive performance, improve retention, and build resilience.

How is your organization adapting to these trends?

Medicare Part D Creditable Coverage Rules Are Changing in 2027Plan sponsors should start preparing now. Beginning in 202...
08/06/2026

Medicare Part D Creditable Coverage Rules Are Changing in 2027

Plan sponsors should start preparing now. Beginning in 2027, the original simplified determination method for Medicare Part D creditable coverage will no longer be available. Employers will need to use either the revised simplified method or an actuarial determination.

Key changes include:
✅ Drug expense coverage threshold increases from 60% to 73% in 2027 (72% in 2026)
✅ Biological products are now specifically included
✅ Deductible and annual/lifetime limit criteria are removed
✅ Employers applying for the Retiree Drug Subsidy must continue using an actuarial determination

📌 Important compliance reminders:
• Test each plan option separately (PPO, HMO, HDHP, etc.)
• Provide Medicare Part D notices before October 15
• Submit CMS disclosure within 60 days of the plan year's start
• HRAs, HSAs, and FSAs will be exempt from disclosure requirements beginning in 2027

Now is the time to review plan designs and ensure readiness for the transition.

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07974

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Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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+19087381500

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