Four Square Insurance Benefits Management Solutions

11/15/2024

When it comes time for Open Enrollment at your workplace, it's important to make sure you are ready to choose the right plan for you and your family.

Follow these tips and you'll be prepared!

• Review your employers resources to see what plans and costs are available to you.
• Speak with your benefits rep if you have any questions!
• Double-check all your selections to make sure the coverage matches your needs.

11/12/2024

Why Have Health Insurance?

You may say it's too expensive, you'll never use it, or you'll deal with problems when they arise. However, on your own you'll pay more than the insurance companies pay. This is due to insurance companies negotiating to get lower fees from providers.

After purchasing health insurance, you'll start benefiting right away. You will pay the negotiated discounted rate when visiting an in-network provider. Once you meet your deductible you will have reduced costs to no cost services. You will also have an out-of-pocket maximum that is the total amount you'll have to pay no matter how much covered care you get in a plan year.

No one plans on getting sick or in an accident. But it happens. Staying covered allows you to do the activities you love without the stress of a possible injury — and the associated cost — weighing on your mind.

11/11/2024

May all Veterans feel the deep respect and recognition they deserve today and every day. Thank you for your service!

11/06/2024

Let us work for you and be your direct contact for customer service. You can reach us at 410.213.8338 or email Allie Mesisco at [email protected].

11/05/2024

November is Lung Cancer Awareness Month!

Lung Cancer Awareness Month is observed annually in November and highlights the need for more research to be conducted while cultivating a better understanding of the disease.

Lung cancer is difficult to identify, and many individuals don’t experience any symptoms until the cancer has reached an advanced stage. It’s for this reason that yearly lung cancer screenings are recommended to those who have a history of smoking or have quit within the past 15 years.

Most preventative cancer screenings can be covered at little to no cost depending on your insurance plan. Be sure to check with your insurance and schedule your cancer screenings today!

11/04/2024

Insurance and Your Budget

Along with your monthly expense, you will also pay some of the bill when you go to the doctor or hospital. How much you pay depends on your plan. Here are some of the terms you will see and understanding each one can help you decide which plan is right for you and your family.

Deductible: The amount you pay out of pocket before the insurance company pays their share.

Coinsurance: A percentage of the cost per visit.

Copay: A fixed amount you pay for certain services.

11/01/2024

2025 Open Enrollment is Here!!

The Annual Open Enrollment for Individuals begins today November 1st and ends January 15th.

Choosing a health insurance plan can feel like an overwhelming task - we’re here to help! With ever-changing information, pricing, and policies, figuring out what kind of plan you need can be confusing.

Though it’s a highly personalized endeavor, there are a few things that everyone should consider when choosing your health coverage.
•What do you need most in an insurance plan?
•Does the plan cover everything it takes to keep you healthy?
•Type of Plan and Provider Network. Do the health care providers, hospitals, and pharmacies you prefer fall within the plan’s network?
•Premiums. How much will you pay per month for coverage?
•Deductibles. What is the amount you must pay out of pocket before your coverage kicks in?
•Co-pay or Coinsurance. Are you aware of other codes that you may be required to pay to access cars?
•Prescription Drug Coverage. Are your regular prescriptions covered by your insurance plan?

At Four Square, we are here to help seamlessly manage insurance selection by recommending the affordable benefit options to fit each individual’s specific needs.

We are licensed in MD/DE and can assist individuals with getting enrolled in coverage, along with creating a simple renewal process for this upcoming plan year.

Let us work for you and be your direct contact for customer service. You can reach us at 410.213.8338 or email Allie Mesisco at [email protected].

10/31/2024

Happy Halloween! 🎃👻🕷

Halloween gives us a reason to see a different side of ourselves. Whether you go for goofy, or opt for spooky, this ghoulish holiday is the day to put on a costume and go wild!

08/09/2024

06/28/2024

Insurance is one of those things we forget about until we need it, kind of like a spare tire. Today is to bring awareness to how important all insurance is in many aspects of our lives.

Take time today to review your current coverage or look into what options are available if you don't have any coverage.

Understanding insurance and how much coverage you may need can help when making long-term financial plans.

06/27/2024

Today is 🕶

Everyone loves a good set of shades so make sure you’re wearing some sunglasses and join in the fun of National Sunglasses Day on June 27!

Activities for today:
- Treat yourself to a new pair!
- Pick out your favorite pair and wear an outfit that matches your sunglasses!
- Order those prescription sunglasses you've had your eye on for a while!

Sunglasses protect your vision and even help prevent wrinkles! Wear sunglasses for health and to look awesome. Double win!

Pay less for your eye care and eyewear with Individual Vision Plans from VSP®
https://individualbrokervision.com/Enroll/MbrEnroll.aspx?AgtCode=VSP13719