S+H Benefit Solutions Inc.

07/01/2025

Losing a client is tough—especially when it’s not because of anything we did wrong, but because we “weren’t big enough.”

We wrote a blog about what that felt like and what it taught us.

We’re not afraid to admit that it stung. But it also reminded us who we are and what we stand for. We’ll never be the biggest firm in the room—but we will be the one that shows up, fights for you, and actually gives a damn.

If you've ever felt overlooked or underestimated, this one's for you.

Read our honest take here:
https://www.shbenefitsolutions.org/post/small-but-mighty-what-we-ve-learned-from-losing-clients

There’s no sugarcoating it—losing a client hurts.Especially when it’s not because of poor performance. Not because of a mistake. But because “you’re not big enough.”Recently, we were told we were being dropped—not for anything we did, but because a male counterpart (who never existed a...

06/30/2025

Just like your car or home insurance, your Medicare plan needs a check-up too.

On this Medicare Monday of the series, we’re reminding you to review your plan annually—especially during Open Enrollment (Oct 15–Dec 7).

Why review?
✔️ Drug formularies change
✔️ Premiums and co-pays shift
✔️ You may qualify for a better fit!

At S+H Benefit Solutions, we don’t set it and forget it. We review your needs annually to make sure your plan still works for you.

06/26/2025

We’re almost halfway through the year—how’s your wellness journey going?

Whether it’s a new habit, more sleep, or less screen time, progress is worth celebrating.

💬 What’s one thing you’ve done lately to take better care of yourself?

06/24/2025

🩺 Don’t skip that check-up!
We know life gets hectic—but putting off preventive care can lead to bigger health issues and bigger medical bills.
Preventive services like screenings, annual physicals, and immunizations are usually covered at 100% when you stay in-network—even with High Deductible Health Plans.
✔ Early detection = lower costs
✔ Better long-term outcomes
✔ Peace of mind for you and your employees
Whether you're an employer or employee, it’s time to take preventive care seriously. Read our latest blog to learn how staying on top of your health can also protect your wallet.

We all get busy. Between juggling work, family, and daily life, it can be easy to put off that annual check-up or skip a routine screening. But what many people don’t realize is that delaying preventive care can lead to serious health consequences—and serious financial ones, too.Preventive care ...

06/24/2025

Rewriting the narrative in insurance means prioritizing employee health benefits for local businesses. Behind every successful company lies a dedicated team that warrants the best care. We commit to supporting each team with personalized solutions steeped in understanding and innovation. Together, let's enhance employee wellness, one workplace at a time.

06/23/2025

Don’t miss your window!
On this week’s Medicare Monday, we’re talking enrollment deadlines:

1. Initial Enrollment Period (IEP) – 7 months (3 before, month of, and 3 after your 65th birthday)
2. General Enrollment – Jan 1 to Mar 31 if you missed IEP
3. Special Enrollment – if you had employer coverage and recently retired

⚠️ Late enrollment in Parts B or D can lead to lifelong penalties.

Let’s make sure you’re on track. S+H Benefit Solutions is here to keep you informed and enrolled—on time.

06/19/2025

An HSA helps you plan for future medical costs—and can even act as a retirement savings vehicle.
We love seeing employees use their HSAs with confidence.

💬 Need a refresher on how to use yours? We’ve got you.

06/17/2025

Supporting local businesses starts with supporting the people behind them.

At S+H Benefit Solutions, we create employee health plans that are more than just policies—they’re promises to take care of your team. By getting to know the unique needs of each business, we craft benefits that make a real impact.

Now we want to hear from YOU!
Do you prefer a copay plan for your employees or an HDHP (High Deductible Health Plan)?
Drop your thoughts in the comments—we’re here to answer questions and help you decide what’s best for your team.

06/16/2025

Still working past 65? You're not alone!
On this Medicare Monday, let’s talk about what to do when you have employer-sponsored coverage but are also eligible for Medicare.

Here’s the gist:

If your employer has 20+ employees, you can delay Medicare without penalty.
If your employer has fewer than 20 employees, Medicare may become primary.
You may still need to enroll in Part A (it’s usually free!).
Every case is different. That’s why we evaluate your situation individually—no cookie-cutter advice here.

📞 Reach out to S+H Benefit Solutions for a quick check-in about your timeline and needs.

06/12/2025

This Thrive Thursday, unlock the potential of your wellness benefits. Knowledge is power — let’s explore how we can support your health goals!

06/10/2025

Behind every successful local business is a team that feels valued and cared for.�

Meet the women leading the charge in transforming employee health benefits—because supporting your team isn’t a bonus, it’s a commitment.

We’re proud to share stories of resilience, innovation, and purpose-driven leadership that are helping create healthier, more empowered workplaces—one policy at a time.

06/09/2025

Medicare Monday Spotlight: Medicare Advantage (Part C)
Did you know that Medicare Advantage plans replace Original Medicare and often bundle in extras like dental, vision, hearing, or gym memberships?

Here’s a quick breakdown:
✔️ One plan, one card
✔️ Offered by private insurers
✔️ May include low or $0 premiums
✔️ Some plans offer prescription drug coverage

These plans can be cost-effective—but only if they match your specific needs. Let us walk you through your options so there are no surprises later.