Nefouse & Associates

06/27/2025

Check out the latest blog, Test, from Nefouse and Associates.

03/11/2025

Check out the latest blog, 2024 Employee Benefits Survey: Key Insurance Trends for Employers, from Nefouse and Associates.

The 2024 SHRM Employee Benefits Survey highlights critical trends in employer-sponsored insurance benefits, emphasizing the growing importance of health, dental, vision, and specialty coverage in today’s workforce. As employee expectations evolve, businesses must stay competitive by offering compr...

01/28/2025

Check out the latest blog, 2025 Drug Copays, from Nefouse and Associates.

One of the health insurance trends we see across all carriers is the increased cost of drug copays. Almost every plane has moved to a Tier 2 Copay of $50. For the last decade, tier 2 has averaged around $35-$40.
Tier 3 drugs
When you look into health insurance, you’ll quickly realize that prescrip...

10/18/2024

Check out the latest blog, A Guide to Indiana Group Health Insurance Renewals for Employers, from Nefouse and Associates.

Navigating the Indiana Group Health Insurance renewal process can feel overwhelming, especially with the rising costs and maintaining quality coverage for your employees.
Tips on Navigating Group Health Insurance
1. Start Early: Renewal Timeline
The renewal process typically starts 60 to 90 days be...

10/09/2024

https://indianahealthinsurance.com/

Check out the new individual health insurance site.
Just in time for open enrollment.

There are many options available in the marketplace for health insurance. Under the Affordable Care Act, Hooser can purchase individual coverage that covers all pre-existing condtions, and you could be eligible for premium assistance.

09/18/2024

Check out the latest blog, IU Health Plans to be Acquired by Anthem, from Nefouse and Associates.

IU Health Plans is a local insurance company owned by Indiana University Health, a non-profit healthcare system. IU Health Plans launched in 2013, offering health insurance plans to individuals, families, and employers.
IU Health had a short run with Individual health insurance plans through the ACA...

08/08/2024

Check out the latest blog, Human Resources Guide, from Nefouse and Associates.

Free Quote

Humana resources is a complex area especially when it pertains to employee benefits. Most companies under 100 employees will have an employee in the HR position that also has additional responsibilities. In these situations, it can be challenging to stay on top of compliance and HR tr...

05/23/2024

Check out the latest blog, Indiana Hospitals Rank #8 as Most Expensive in the Country, from Nefouse and Associates.

A recent study by the Rand Corporation (https://www.rand.org/pubs/research_reports/RRA1144-2.html)
Hoosiers Pay More Than Three Times the Medicare Reimbursement Rate for Health Care
The Rand study, conducted from 2020 to 2022, is a comprehensive analysis of medical claims data from a diverse populat...

05/10/2024

Check out the latest blog, GLP-1s will no longer be available through Caremark Mail Service, from Nefouse and Associates.

CVS Caremark is a pharmacy benefit manager (PBM) and a third-party administrator of prescription drug programs.
PBMs are primarily responsible for processing and paying prescription drug claims, negotiating discounts and rebates with drug manufacturers, and managing pharmacy networks for health insu...

05/06/2024

Check out the latest blog, Navigating The Death of an Employee, from Nefouse and Associates.

Managing grief in any setting is a profoundly personal experience that doesn’t follow a set timeline or pattern. As an owner/HR/manager, supporting your team through a loss can be challenging but crucial for maintaining a healthy and compassionate work environment. Here’s a comprehensive guide o...

03/14/2024

Check out the latest blog, New Digital Insurance Cards, from Nefouse and Associates.

As we enter 2024, the health insurance and employee benefits industries are transitioning to digital ID cards. Traditional ID cards will be a thing of the past.
The Insurance companies are adopting digital ID cards for several reasons, including:

Cost Reduction: Producing physical ID cards involves...

02/21/2024

Check out the latest blog, Primary care physician Shortages, from Nefouse and Associates.

Primary care physician shortage is a significant concern in Indiana and the entire country.
The average wait for an onsite appointment with a physician is 26 days, and that is in metropolitan areas. If you live in a rural community, it could be months.
Several factors contribute to this shortage of ...