Commonwealth Employee Benefit Solutions

07/17/2025

BIG NEWS! We’re launching a brand new YouTube series (in August) to break down the Medicare maze with real talk, expert tips, and ZERO fluff.

👀 Here's the deal:
Taking Medicare advice from your neighbor, cousin, or friend might seem helpful—but what works for them could leave you with unexpected costs or coverage gaps.
Why? Because no two people have the same health, lifestyle, or budget needs.

💡 That’s where we come in.
At CEBS Insurance, our Medicare guidance is always free, personalized, and designed to help you make smart, confident decisions.

🎯 Whether you're:
✅ New to Medicare
✅ Moving to a new state
✅ Reviewing your current plan
✅ Confused by all the options...
We’re here for you.

🗓️ Call or DM us to schedule a one-on-one appointment
📺 And stay tuned for our new YouTube series: "Your Coverage Coach Talks Medicare" — launching soon!

✨ Follow us for updates and share this with someone who could use some Medicare clarity.
Because when it comes to your health and your money… one-size-fits-all advice just doesn’t cut it.

Call now to connect with business.

07/17/2025

BIG NEWS! We’re launching a brand new YouTube series (In August) to break down the Medicare maze with real talk, expert tips, and ZERO fluff.

👀 Here's the deal:
Taking Medicare advice from your neighbor, cousin, or friend might seem helpful—but what works for them could leave you with unexpected costs or coverage gaps.
Why? Because no two people have the same health, lifestyle, or budget needs.

💡 That’s where we come in.
At CEBS Insurance, our Medicare guidance is always free, personalized, and designed to help you make smart, confident decisions.

🎯 Whether you're:
✅ New to Medicare
✅ Moving to a new state
✅ Reviewing your current plan
✅ Confused by all the options...
We’re here for you.

🗓️ Call or DM us to schedule a one-on-one appointment
📺 And stay tuned for our new YouTube series: "Your Coverage Coach Talks Medicare" — launching soon!

✨ Follow us for updates and share this with someone who could use some Medicare clarity.
Because when it comes to your health and your money… one-size-fits-all advice just doesn’t cut it.

Call now to connect with business.

07/17/2025

👀 Hey HR friends and business owners—did you catch this?!
The 2024 HIPAA rule protecting reproductive health info was just struck down—and it affects how group plans handle sensitive data right now.
Here’s what you need to know (and do) to stay compliant.

Late on Wednesday, June 18, 2025, there was a federal court decision to vacate the 2024 HIPAA Reproductive Health Privacy Rule that has left employer

05/07/2025

Learn how to protect your business!!!

04/30/2025

According to a new Ernst & Young report, a proposed 25% U.S. tariff on pharmaceutical imports could raise drug costs by $51 BILLION annually, spiking prices by up to 12.9%. With 73% of our pharmaceutical imports coming from Europe (mostly Ireland), this could deeply impact your current health plan.

👀 What does this mean for you? If you’re an employer or employee on a group health plan, you could be paying a lot more in premiums and prescription copays this renewal season.

💡 Here’s what you can do NOW to prepare:

1️⃣ Review Your Pharmacy Benefits – Understand what drugs are covered and if alternatives are available.
2️⃣ Compare Plan Options Early – Don’t wait until the last minute to review renewal offers. Shop around for cost-saving alternatives.
3️⃣ Ask About Self-Funded or Level-Funded Plans – These offer more flexibility and transparency with Rx costs.
4️⃣ Consult Your Benefits Advisor – A proactive broker (👋) can help you strategize ways to reduce exposure to rising Rx costs.

Let’s get ahead of this before it hits your budget hard.

📩 DM me or comment below if you want a free benefits checkup before open enrollment starts.

A 25% US tariff on pharmaceutical imports could raise drug costs by $51 billion annually, increasing prices by up to 12.9%, according to a report by Ernst & Young, which was commissioned by the Pharmaceutical Research and Manufacturers of America. The report highlights that 73% of pharmaceutical imp...

03/26/2025

Preventive Care is free in the US, and this could change!

Advocates for the ACA screening policy say it saves lives.

03/18/2025

Employee Burnout is real and costly. How can owners and HR managers get a better handle on how to balance work-life and company productivity? Great article

For a typical 1,000-person company, employee disengagement and burnout can tally up to as much as $5 million annually.

02/26/2025

Decisions Decisions Decisions!

A fourth-generation family business was heading into uncharted waters.

02/26/2025

Could the Preventive Care Mandate be on the chopping block for millions of Americans? Read the details...

The Supreme Court on Monday scheduled arguments for April 21 in a case that could decide the legality of the Affordable Care Act’s (ACA) requirement that insurers cover certain preventive services.…

10/22/2024

Check out our latest newsletter. Your local Employee Benefits Specialist-helping you take care of your most important investment, YOUR employees!

CEBS Newsletter FALL : simplebooklet.com

11/17/2023

We have to normalize these conversations in the workplace. Holistically healthy and happy employees are productive this indeed affects your bottom line.

Various employees could benefit from the provided services and programs, but do not know about or want to access them.