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

BeneGuides

BeneGuides was founded with one goal in mind: to help people make sense of health insurance.

08/25/2026

When people think about employee health benefits, they often picture large companies with hundreds of employees. But benefits are not necessarily limited to big businesses.

Depending on the size and structure of your company, there may be options available for smaller teams, too. Offering benefits can be a valuable way to support your employees, strengthen your compensation package, and help your business remain competitive.

The right approach will look different for every company. We can help you explore the available options, consider what your business may contribute, and determine what could realistically work for your team and budget.

Curious about offering benefits to your employees? Let’s talk through the possibilities.

08/20/2026

Meeting your deductible is an important milestone, but it does not necessarily mean your healthcare becomes completely free.

Once your deductible has been met, your insurance plan will typically begin paying a larger share of the cost for covered, in-network care. You may still be responsible for copays or coinsurance depending on the service and how your plan is structured.

Those costs continue to count toward your out-of-pocket maximum. Once that maximum is reached, your plan generally pays 100% of covered, in-network services for the remainder of the plan year.

Every policy works a little differently, so understanding your deductible, copays, coinsurance, and out-of-pocket maximum can help you better anticipate your healthcare costs.

Questions about how your plan works? We’re happy to help.

08/15/2026

Many people assume that Medicare premiums and other healthcare costs are simply something they have to budget for. What many don't realize is that there are programs designed to help eligible beneficiaries lower those expenses.

Medicare Savings Programs (MSPs) may help pay certain Medicare costs, such as premiums and, depending on the program, other out-of-pocket expenses like deductibles, copayments, or coinsurance. Eligibility is based on income, available resources, and the specific program guidelines in your state.

A separate program called Extra Help (Low-Income Subsidy) helps eligible beneficiaries with Medicare Part D prescription drug costs, including premiums, deductibles, and copays. Some people qualify for Extra Help automatically through other assistance programs, while others may qualify by applying directly.

Even if you aren't sure whether you qualify, it's often worth checking. Many people are surprised to learn that assistance may be available.

If you have questions about Medicare Savings Programs or Extra Help, we're happy to help explain your options and point you in the right direction.

08/10/2026

Finding a health plan isn't just about the monthly premium. It's also important to make sure the doctors and specialists you want to see are actually in your plan's network.

Even when an online provider directory looks correct, things can change. Doctors may join or leave a network, and a medical office being in network doesn't always mean every provider at that location is.

Taking a few extra minutes to verify your providers before you enroll can help you avoid unexpected out-of-network costs and make choosing a plan a little less stressful.

If you're shopping for coverage and want help checking your doctors, we're always happy to help.

08/05/2026

As summer winds down, flu shot clinics start popping up everywhere, from pharmacies to doctor's offices.

Before you schedule your appointment, take a minute to review your health insurance benefits. Many plans include coverage for preventive flu shots, but it's always a good idea to make sure you're using an in-network provider.

If you have questions about your coverage, we're always happy to help you understand your benefits so you can head into the season with confidence.

08/01/2026

Back-to-school season is a great reminder to check more than just your school supply list.

Before schedules get busy, take a few minutes to make sure your family's health coverage is working for you. Annual checkups, vaccinations, vision and hearing exams, prescription refills, and sports physicals (if required) are all worth checking off before the school year begins.

Many health insurance plans include preventive care benefits that can help you stay ahead of routine healthcare needs.

Not sure what's covered under your plan? We're always happy to help you understand your benefits and make the most of your coverage.

Have questions? Reach out to BeneGuides. We're here to help!

07/25/2026

Turning 65 is an important Medicare milestone, but the right next step is not always the same for everyone.

Whether you're still working, contributing to an HSA, or preparing to enroll in Medicare for the first time, understanding how your situation affects your options can help you avoid unnecessary headaches down the road.

A little planning now can help you avoid penalties, coverage gaps, and surprises later.

Questions about Medicare or approaching your 65th birthday? We're happy to help.

07/20/2026

Telehealth can be a convenient way to connect with a healthcare provider without leaving home.

Many plans offer telehealth services for common concerns like cold and flu symptoms, allergies, minor skin issues, medication follow-ups, and other routine health questions.

However, telehealth is not the right fit for every situation. Severe symptoms, emergencies, and concerns that require testing or hands-on evaluation are often better handled through in-person care.

Not sure what telehealth options are included with your plan? We're happy to help you find out!

07/15/2026

Your health insurance app can do a lot more than just display your ID card.

Many plans include tools that let you:
• Search for in-network doctors and facilities
• Track claims and deductible progress
• Access plan documents and benefit information
• View digital ID cards
• Connect with telehealth services

If you haven't downloaded your carrier's app yet, it may be one of the easiest ways to stay on top of your coverage.

Questions about your plan? We're happy to help!

07/10/2026

Ever picked up the same prescription and noticed the price was completely different than last time?

Prescription costs can change for several reasons. Sometimes it's related to your insurance plan, and other times it's due to pharmacy pricing, drug manufacturers, or changes in discounts and pricing programs.

A different price doesn't always mean something is wrong. Understanding what factors can affect prescription costs can help you avoid surprises at the pharmacy counter.

Have questions about your coverage or prescription benefits? We're happy to help!

Address

1745 Hamilton Road, Suite 300
Okemos, MI
48864

Opening Hours

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

Telephone

+15179391981

Website

https://BeneGuides.com/

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