Insurance Insights

The Garden State Benefits Blog

Plain-English guides on group benefits, individual health insurance, and everything in between — written for business owners and individuals who just want straight answers.

Uncategorized

How to Check If Your Doctor Is In-Network Before You Enroll

Discovering your doctor isn't in-network after you've enrolled is expensive and avoidable. Here's how to verify network coverage before you commit.

August 16, 2026 Read more →

Uncategorized

What Qualifying Life Events Allow Mid-Year Enrollment Changes?

Employees don't have to wait for open enrollment to change coverage if they've had a qualifying life event. Here's what counts and...

August 16, 2026 Read more →

Uncategorized

Medicaid vs. Marketplace: Which One Covers You?

Low income may qualify you for Medicaid instead of a marketplace plan. Here's how to tell which program you're eligible for and...

August 15, 2026 Read more →

Uncategorized

The True Cost of Employee Turnover From Poor Benefits

Poor benefits drive turnover, and turnover is expensive. The math on offering competitive health coverage almost always works in the employer's favor.

August 15, 2026 Read more →

Uncategorized

Understanding Your ACA Plan’s Deductible, Copay, and Out-of-Pocket Maximum

Deductible, copay, coinsurance, out-of-pocket max — these four terms determine what you actually pay for care. Here's exactly how they work together.

August 14, 2026 Read more →

Uncategorized

PPO vs. HMO vs. EPO: Which Network Type Is Right for Your Group?

PPO, HMO, or EPO — each network type has different trade-offs for cost and flexibility. Here's how to choose the right one...

August 14, 2026 Read more →

Uncategorized

How to Shop for a Marketplace Health Plan: A Step-by-Step Guide

Buying an individual health plan on the ACA marketplace is a multi-step process. Here's exactly what to do, in order, to make...

August 13, 2026 Read more →

Uncategorized

How to Prepare Your New Employees for Open Enrollment

New employees face open enrollment without the context long-term employees have. Here's how to make sure they make informed decisions.

August 13, 2026 Read more →

Uncategorized

What Is a Qualifying Life Event for Individual Health Insurance?

You don't have to wait for November open enrollment if you've had a qualifying life event. Here's what triggers a Special Enrollment...

August 12, 2026 Read more →

Uncategorized

Why Fall Open Enrollment Is the Best Time to Add New Benefits

Open enrollment is the right time to add dental, vision, life, disability, or other benefits. Here's what's worth considering and why.

August 12, 2026 Read more →