Fotek Insurance Solutions

Does Your Company Have a Corporate Wellness Incentive in Place? Learn the Benefits

Thu, 05 Apr 2012 16:47:00 GMT

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The most important thing about a corporate wellness incentive is that it betters both the employees and the business. Watch this short video to learn how an employee wellness program creates a happy, healthy, productive work environment.

A corporate wellness incentive should focus on keeping employees healthy, but this entails much more than simply getting their flu vaccinations.

As Dr. Bellonzi from the video explains, “Wellness is about being vital and healthy and productive, for your own sake, and for the sake of your company.”

Of course, an employee who comes to work sick will not be as productive. He or she will be suffering from pain, discomfort and fatigue—and can even distract other employees as well. According to the experts, a sick employee who comes to work will negatively impact the productivity of a business more so than if that employee stayed at home.

Fotek Insurance Solutions offers a holistic wellness program that doesn’t just look at keeping employees free of sickness—it looks at how to improve the overall wellness of each employee to create a more dynamic, healthful work environment. Call us at (732) 556-0446 to learn more.

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Are You Encouraging a Healthy Lifestyle Among Your Employees?

Tue, 27 Mar 2012 23:24:29 GMT

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Encouraging a healthy lifestyle among your employees can lead to improvement in work performance, increased energy levels, and a better overall quality of work life. Promoting a healthy diet and lifestyle, as discussed in this video clip, can also cut down on your group health insurance costs.

If you would like to allocate less of your company’s budget toward corporate health insurance premiums, consider overhauling the way your work cafeteria operates. Identify healthy eating options and work with your kitchen manager to make sure you have nutritious, energizing alternatives to snack foods. It is also smart to keep a health-conscious mind when planning holiday office parties, outdoor events, and activities.

Fotek Insurance Solutions offers a corporate wellness program along with the tools to measure the success of your wellness initiatives. This data is used to negotiate health insurance premiums at renewal. Call Fotek Insurance Solutions at (732) 556-0446 for a free consultation!

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Bravo Wellness: The Benefits of This Corporate Wellness Program

Tue, 13 Mar 2012 23:55:47 GMT

The 2010 Affordable Healthcare Act grants employers the ability to shift up to 20% of health care premiums toward employees with high-risk lifestyles. This creates accountability, a source of motivation that's proven to change behavior.

With Bravo, you can change your health benefit plan from a reactionary employer-centric model to a plan that places the only ones who can truly impact trend at the center of the equation- your employees. If they are doing what they can to not fuel the 75% of spending that is lifestyle related, they will earn the lowest contributions and richest benefits. You all reap the rewards!

For more information about Bravo Wellness and how it can benefit you and your employees, please visit Fotek Insurance Solutions online or give us a call at (732) 556-0446. We can work with whatever budget you have or create one from the immediate plan savings created by the program.

More from Fotek Insurance Solutions: Employee Benefits NJ, Preventative Healthcare, Corporate Wellness Incentives, Bravo Wellness

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Are You Providing The Right Coverage for Your Employees?

Wed, 07 Mar 2012 23:44:35 GMT

A salary simply isn’t enough to keep top talent at your business—you must also consider providing good benefits for your employees. One such benefit is great health insurance coverage. Follow the three practical steps below to secure the right coverage for your employees:

Contact a Full Service Insurance Agency
The first step in this process is to contact a full-service insurance agency that specializes in providing businesses with coverage for their employees. You’ll be able to choose from a greater selection of health insurance options this way, and pick the one that best suits your business’s needs and budget. Look for an agency that offers group health insurance options and individual options like individual health, dental, and life insurance plans.
Research the Various Providers
In addition to group health insurance for your employees, some providers will offer things like corporate wellness programs, health savings accounts, and health reimbursement arrangements. Providing health insurance for your employees is a great investment in your business.
Talk to an Insurance Expert About Your Business’s Needs
Some companies have more to spend on benefits than others, but the experts will be able to tell you what works best for your company’s budget. The decision to offer your employees the option of going with an HMO, a PPO, a POS, an open access HMO, or some combination of these will be simplified by talking to an experienced health insurance broker.

To utilize the expertise of a distinguished full-service insurance agency, call Fotek Business Solutions at (732) 556-0446. We have over two decades of experience serving New York and New Jersey businesses, and are excited to help your business find the right coverage for your employees.

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What You Should Know About the Dangers of Light Smoking

Wed, 22 Feb 2012 20:45:35 GMT

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After decades of convincing research, it has become clear that heavy smoking is detrimental to the smoker’s health. As it turns out, even those who only smoke one to five cigarettes a day face serious health risks.

In this short video, viewers learn more about the dangers of light smoking. According to a 30-year study, those who smoke one to five cigarettes per day are still nearly three times more likely to die from lung cancer or heart disease than those who don’t smoke at all.

If you’re a business owner in New Jersey and wish to provide your employees with a high-quality wellness plan, contact Fotek Insurance Solutions. Together with Bravo Wellness, we will offer your employees help with losing weight, quitting smoking, and much more. Call us at (732) 556-0446 to get started.

More from Fotek Insurance Solutions: Employee Benefits NJ, Insurance Broker, Corporate Wellness Incentives, Bravo Wellness

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How To Choose a Health Plan: See Videos From Our Blog Posts on YouTube!

Sat, 18 Feb 2012 00:14:01 GMT

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See this informational Fotek Business Solutions video and other videos we've featured on our blog all in one place: on our YouTube Channel!

To learn more about how Fotek Business Solutions can help your New Jersey business find the perfect insurance solution, call us today at (732) 556-0446 for a free, no-obligation quote; or visit our website for additional information.

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Ready To Find A Creative Solution? Learn More With These Resources

Wed, 08 Feb 2012 19:55:53 GMT

Finding the right insurance is difficult if you go it alone, but an expert can help you choose an insurance plan suited to your business. Here are some sources for you to begin your research before calling your broker.

This IRS webpage has a list of frequently asked questions about small business health care tax credits.
If you need information about your state’s specific regulations for small business health insurance, visit this website.
Visit Fotek Business Solutions' website to learn more about insurance brokers in New Jersey.

Fotek Business Solutions can help your business thrive with the perfect employee benefit program. Call (732) 556-0446 or visit our website for more information today.

More from Fotek Insurance Solutions: Our Creative Solutions, Employee Benefits NJ, Insurance Broker, Health Insurance Guide

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Are You Working With The Right Insurance Broker?

Wed, 01 Feb 2012 18:45:25 GMT

When you are looking for dependable insurance coverage for your business, it’s important that you work with the right insurance broker. You should make sure that any broker you work with is well-versed in all types of health insurance for companies, including the following:

Insured program: With a self-insured arrangement, an employer uses its own funds to provide health care benefits to employees, with no third party involvement.

Self-insurance (ASO): Under this arrangement, an employer is financially responsible for reimbursing medical claims, but the administrative tasks are handled by a third-party insurer. This arrangement is known as “Administrative Services Only,” or ASO.

Partially self-funded programs: With this type of insurance program, an employer purchases a high-deductible health insurance plan from a third party to cover employees. While some expenses will be covered, such as serious illnesses, employees will pay a deductible in order to qualify for most medical expenses.

Health reimbursement arrangements: Also known as an HRA, this is a program in which an employer sets aside funds to reimburse employees for medical expenses, which may include out-of-pocket expenses, copayments, or high-deductible health plans. The employer has some leeway to decide how the account is handled, including whether or not funds can roll over to the next year.

Health savings accounts: Also known as an HSA, this is a tax-preferred savings account set up by an individual employee who is also covered by a high-deductible health plan. Either an employee or an employer can contribute to a health savings account, and any balance left over at the end of a year can be carried over to the next.

Fotek Business Solutions is a full-service health insurance agency that provides employee benefits programs to businesses in New York and New Jersey. When you work with us, you will be assigned an in-house customer service representative who will be dedicated to seeing that your interests are upheld. For more information about our employee benefits programs and corporate wellness incentives, call us today at (732) 556-0446 or visit our website.

More from Fotek Insurance Solutions: Employee Benefits NJ, Insurance Broker, Health Insurance Guide, Insurance Types

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How Insurance Brokers Work With Your Business

Thu, 26 Jan 2012 03:14:42 GMT

Finding the best health insurance for your employees is often complex. Fortunately, a qualified insurance provider can help you determine exactly what you need. Here’s what a broker can do for your business:

Assess Your Business Needs
The first thing that your insurance broker will do is examine your particular situation in detail. Every business has different needs depending on the nature of their work, the number of workers employed, the rate of employee turnover, and other statistics. Your insurance broker will apply his or her previous experience with other businesses in similar industries and situations to your unique circumstances and determine exactly what your business requires.

Find Creative Solutions
Once your insurance broker has worked with you to determine your business’ needs, he or she will design a creative solution that offers the best benefits to your employees while saving you the most money. In addition to suggesting insurance plans, your broker will help you minimize risk and integrate your financial and business plans into the total insurance solution. By making a comprehensive plan, you and your broker can find the ideal insurance solution.

Plan for the Future
The insurance industry is constantly changing due to state and federal regulatory modifications. Recently, the federal government passed the Patient Protection and Affordable Care act, which radically transforms the roles of federal, state, local, and commercial bodies which provide health insurance. An insurance broker will be able to navigate the changing landscape of health coverage to insure that your business always has the right plan.

Fotek Business Solutions can help your New Jersey business find the perfect insurance solution. Call us today at (732) 556-0446 for a free, no-obligation quote or visit our website for additional information.

More from Fotek Insurance Solutions: Our Creative Solutions, Employee Benefits NJ, Insurance Broker, Fotek Insurance Promotions

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Fotek Insurance Solutions

Does Your Company Have a Corporate Wellness Incentive in Place? Learn the Benefits

Are You Encouraging a Healthy Lifestyle Among Your Employees?

Bravo Wellness: The Benefits of This Corporate Wellness Program

Are You Providing The Right Coverage for Your Employees?

Read More About Boosting Employee Wellness!

What You Should Know About the Dangers of Light Smoking

How To Choose a Health Plan: See Videos From Our Blog Posts on YouTube!

Ready To Find A Creative Solution? Learn More With These Resources

Are You Working With The Right Insurance Broker?

How Insurance Brokers Work With Your Business