Forsite Benefits

Blog by Forsite Benefits

HDHP vs. Copay Plans: Choosing the Right Medical Coverage

Choosing a medical plan is not just about picking the lowest premium. It is about choosing a plan that fits your lifestyle, health needs, and budget. Health insurance can feel complicated, especially when deciding between a Traditional Copay Plan and a High Deductible Health Plan, often called ...
Health Savings Account (HSA) - Eligible Expenses Guide


A Health Savings Account (HSA) is a tax-advantaged savings account available to individuals enrolled in an eligible High Deductible Health Plans (HDHP). One of the key benefits of an HSA is the ability to use the funds to pay for a wide range of qualified medical expenses tax-free. Understandin...

How to Find Early Retirement Health Insurance Options

Retiring before 65? Hopefully finding the right health care coverage for you and your family has been at the top of mind. Roughly 90 days prior to your becoming Medicare eligible (at the age of 65), chances are many of the health coverage options will present themselves to you in the mail. 

Each...

Disputing Medical Claims: Know Your Rights

Receiving a medical claim denial can feel overwhelming, especially when you were expecting your insurance to cover the service. The good news? Denials can sometimes be corrected or overturned with the right steps. Understanding how to dispute a medical claim can help you avoid unnecessary out-of-poc...
December 2025 HR Newsletter

Trends Shaping 2026 Employee Benefits

Understanding the latest employee benefits trends can help organizations plan ahead and offer a benefits package that meets the evolving needs of workers. Here are five trends shaping benefits in 2026:

Rising health care costs—Surveys project that health care cost...


November 2025 HR Newsletter

Progressive Discipline: Pros, Cons and Best Practices 


Early in my career many or most had the impression that Human Resources was part of a dystopian society, relishing in oppressive policies intended to make the workplace miserable. Employees...


Progressive Discipline: Pros, Cons and Best Practices 
By Kristen Jonas, HR Consultant, Kinesiology HR LLC

Early in my career many or most had the impression that Human Resources was part of a dystopian society, relishing in oppressive policies intended to make the workplace miserable. Employees called our department the “Principal’s office” because sure...


October 2025 HR Newsletter

Oct. 15 Deadline for Medicare Part D Coverage Notices


Employers must notify Medicare-eligible policyholders if their prescription drug coverage is credible or not.

The Medicare Modernization Act (MMA) requires entities (whose policies include prescription drug coverage) to notify Medicare-eligible pol...



September 2025 HR Newsletter

Oct. 15 Deadline for Medicare Part D Coverage Notices


Employers must notify Medicare-eligible policyholders if their prescription drug coverage is credible or not.

The Medicare Modernization Act (MMA) requires entities (whose policies include prescription drug coverage) to notify Medicare-eligible pol...



July 2025 HR News

PCORI Fees Due July 31, 2025

The Affordable Care Act requires health insurance issuers and self-insured plan sponsors to pay Patient-Centered Outcomes Research Institute (PCORI) fees. The fees are reported and paid annually using IRS Form 720.

For plan years ending in 2024, Form 720 and full payment o...

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