What Is a Health Insurance Broker?
![health insurance broker](https://cosmoins.com/wp-content/uploads/2022/02/shutterstock_1751133539.jpg)
A health insurance broker is a licensed benefits professional who can help you research, buy, set up, and manage your health insurance experience from start to finish. Brokers exist in […]
School Mask Mandate Will Be Lifted
![school mask mandate](https://cosmoins.com/wp-content/uploads/2022/02/shutterstock_1812515785.jpg)
Governor Phil Murphy announced that masks and facial coverings will no longer be mandated for students, staff, or visitors in schools and childcare centers effective Monday, March 7, 2022. “I […]
Record Health Insurance Sign-Ups During Open Enrollment in NJ
![health insurance sign ups](https://cosmoins.com/wp-content/uploads/2022/02/shutterstock_1791564398.jpg)
Governor Phil Murphy and Department of Banking and Insurance Commissioner Marlene Caride today announced more than 324,000 New Jerseyans signed up for health coverage through Get Covered New Jersey during […]
What Group Benefits Does Cosmo Offer?
![cosmo services](https://cosmoins.com/wp-content/uploads/2022/02/shutterstock_1066006754.jpg)
Health – We customize an affordable plan that fits your company’s needs and helps with employee recruitment and retention. Self Funded/Level Funded – A flexible, self-insured plan features cost savings […]
Why Use Cosmo Insurance As Your Employee Benefits Broker?
![cosmo employee benefits](https://cosmoins.com/wp-content/uploads/2022/02/shutterstock_1049691002.jpg)
We customize strategic solutions that put you in control. Our special advocacy team takes extra steps to fight claim denials Streamlined information that is easy-to-follow and understand Strong emphasis and […]
Can Your Driving Record Affect Your Life Insurance Rates?
![driving record](https://cosmoins.com/wp-content/uploads/2022/02/shutterstock_1991879357.jpg)
When applying for life insurance coverage, you will be asked about your overall health, if you smoke, and your family history but one question that gets asked that many people […]
New OTC COVID-19 Testing Coverage Guidance
![otc covid 19 testing](https://cosmoins.com/wp-content/uploads/2022/02/shutterstock_1686020212.jpg)
The Departments of Labor (“DOL”), Health and Human Services (“HHS”), and the Treasury (collectively, “the Departments”) released additional guidance to assist group health plans in implementing the over-the-counter (“OTC”) COVID-19 […]
Annual Out-of-Pocket Maximums for 2023
![out of pocket maximums](https://cosmoins.com/wp-content/uploads/2022/02/shutterstock_118955863.jpg)
On December 28, 2021, the Department of Health and Human Services (“HHS”) published the “payment parameters” portion of its Annual Notice of Benefit and Payment Parameters for 2023 (“the Notice”). […]
Medicare Part D – CMS Notification Reminder
![medicate part d](https://cosmoins.com/wp-content/uploads/2022/02/shutterstock_1548876200.jpg)
Employers sponsoring a group health plan (whether insured or self-insured) need to report information on the creditable (or non-creditable) status of the plan’s prescription drug coverage to the Centers for […]
Stress and Heart Health
![family in field](https://cosmoins.com/wp-content/uploads/2022/02/shutterstock_1917070157.jpg)
What’s stressful to one person isn’t for another. Happy events and unhappy events can cause stress. Everyone feels and reacts to stress in different ways. How much pressure you experience […]