Did you know there is a new qualifying event this year? Yes, you heard that right pregnancy is now considered a qualifying event.
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Did you know there is a new qualifying event this year? Yes, you heard that right pregnancy is now considered a qualifying event.
Please enjoy some highlights from the 50th Annual HCANJ Spring Conference.
My wife is a stay-at-home mom should I get her a life insurance policy? The short answer is YESS!
Are you looking for group health insurance for your business and wondering if you are eligible? Watch this video to find out.
Did you know that your driving record can impact your life insurance rate? Having a lead foot can cost you on more than just your auto insurance.
Are you a business owner looking for life insurance? Did you know there are different ways you can set up a life insurance policy for your business?
In this video, Connie Herschlag will explain how the free over-the-counter COVID-19 test will work for those who are insured and uninsured.
What is a level-funded plan? Is it right for your business? How does it work? Watch this video to have all your questions answered:
Take a look at some highlights from yesterday’s networking event, “Where nursing home administration and mentalism connect.”
Did you miss the open enrollment deadline? No need to stress. We have great news!
Mark Herschlag, CEO of Cosmo Insurance Agency has a message to share with everyone this New Year! WATCH NOW
Getting health insurance for your company can be confusing but Cosmo Insurance Agency makes it easy! In this video Mark will discuss how health insurance works with common ownership? Take a look!
Mark Herschlag will break down the top four things every small business owner should know about how small business health insurance works. Take a watch!
Open Enrollment is here – don’t delay, get covered now! The Open Enrollment Period ends January 31, 2022 so explore your options today!
In this video, Mark Herschlag explains reference-based pricing and how it might be an excellent option for your business. Take a look!
It’s that time of year again when small businesses can enroll in a group health insurance plan with just ONE employee enrolling.
𝗪𝗲𝗹𝗰𝗼𝗺𝗲 𝘁𝗼 𝘁𝗵𝗲 𝗳𝗶𝗿𝘀𝘁 𝗱𝗮𝘆 𝗼𝗳 𝗢𝗽𝗲𝗻 𝗘𝗻𝗿𝗼𝗹𝗹𝗺𝗲𝗻𝘁! In this video, Mark will discuss some important dates for this year and welcome Ambetter, a new health insurance carrier in NJ.
In this video, Mark Herschlag will explain the main differences between group insurance and individual insurance.
This is our last segment about Long-Term Care Insurance. In this video, In this video, we are going to answer the top 4 questions asked when purchasing a policy. Take a look!
This is our second segment about Long-Term Care Insurance. In this video, we are going to talk about plan options and cost. Take a look!
October is Long Term Care planning month. You never know what the future may bring. That’s why long-term care insurance is so important.
What are President Biden’s new COVID-19 plan requirements, and what does this mean for employees?
It’s National Life Insurance Awareness Month! This is a great time to educate yourself about the importance of life insurance and its role in protecting your family’s financial security.
Happy Rosh Hashanah, may you have a sweet year filled with good health, good fortune, love, and peace. Cosmo Insurance Agency wishes you a Shana Tova!
There has been some confusion lately about the Marketplace and health insurance. In this video, we will help you understand the difference.
Watch this video to learn everything you need to know about an NJ’s health insurance company called Members Health Plan, which filed for bankruptcy.
Happy National Eye Exam month! This is an excellent time to understand the importance of keeping your eyes and vision healthy. Check out this video to learn why you need vision insurance.
Heading to college soon? In this video, Mark Herschlag will go over all the health insurance options college students have.
A common debate is which life insurance should you choose term or whole life insurance. Watch this video to help you decide.
The pandemic has delayed so many things, but many people didn’t think about birth certificates being affected. To add a newborn to your health insurance plan, you need their birth certificate, so what now. Check out this video for ways around this.
A health insurance company in New Jersey has filed bankruptcy. In this video Mark Herschlag will explain what this entails for businesses and their employees.
We often get calls from clients that their visit wasn’t covered, but when we look into it, they actually were covered, it was just applied to their deductible. In this video, Mark Herschlag will demonstrate how it works
In this video, Mark Herschlag and Aaron Wieder will explain how Cosmo saved one of our clients over $150,000 in fees from the IRS. Cosmo offers more than just signing you up for an insurance plan.
It’s not just important to look for the perfect insurance plan, but it’s essential to find the right broker.
We have fantastic news for small businesses offering health insurance. Want to know how you can receive a credit on your second month bill. Watch this video to learn more.
Did you know that exploring self-insured options can help you save money instead of the insurer profiting off your annual premium? In this video, Mark Herschlag, will discuss the differences between being fully insured vs. self-insured and how self-insurance works.
What happens if the health insurance company you entrusted files bankruptcy? In this video, Mark Herschlag will help you understand how the process works and what sort of protection you’ll get.
In this video Mark Herschlag, CEO of Cosmo Insurance Agency, will discuss what happens if you have COBRA insurance and want to drop it mid year for an individual health insurance plan on or off the marketplace.
Over 1 in 4 Americans will become disabled at some point in their working career. In this video we will discuss why disability insurance is so important for employers and employees.
Mark Herschlag, CEO of Cosmo Insurance, met up with Ryan Doyle, our representative from Principal, to discuss ancillary insurance benefits, especially dental insurance. Take a look!
Wondering about COBRA changes under the American Rescue Plan? In this video Mark Herschlag will explain the ins and outs of this subsidy and who qualifies.
In this video Mark Herschlag will discuss legislative and compliance update regarding employer reporting changes, COVID-19 relief, hospital transparency, and surprise billing.
We are down to the wire for Open Enrollment 2021! Some may have already chosen a plan while others are still shopping. The deadline is this Sunday, January 31st, you don’t want to miss this!
Can this be? Why use Cosmo Insurance Agency for your insurance needs whether it’s for yourself, your family or your business.
There’s a lot of confusion this year with Open Enrollment. In this video Mark Herschlag will help simplify the process for you.
Looking back at 2020 – what a year it was! We made the most out of it and can’t wait for 2021!
Our team is there for you, your family, and your business ALWAYS especially throughout this busy enrollment season. Our business & individual brokers, Mark Herschlag and Dassi Shain, have message to share!
You are looking at insurance plans and deciding which one to purchase, but your number one question is how much will it cost?
Health Insurance through your employer vs getting it on your own. Just because your employer is contributing towards your insurance premiums doesn’t mean it’s the best option for you….
Do you offer an HDHP to your employees that is compatible with HAS, you should confirm that the HDHP’s minimum deductible and out-of-pocket maximum comply with the 2021 limits?…
Some call it the holiday season, but in the insurance world, they call it open-enrollment season. Health insurance open enrollment starts November first for individuals and business!….
We often get clients who are confused about what qualifies as group insurance and individual insurance. Watch this video as Mark Herschlag breaks down the differences between the two.
If you have private health insurance through a business or individual, we have exciting news for you!
Cosmo Insurance Agency will be on the “Get Covered NJ” exchange. Get covered NJ is New Jersey’s new marketplace.
Knowing key health insurance terms is very important when choosing a health plan, so make sure you understand them.
So far, Trump-era healthcare changes tend to emphasize individual agency in obtaining both coverage and care. The other main theme might be described most accurately as “undoing Obama’s work.” Today we are going to discuss Trump and Biden’s healthcare plan.
Attention large groups its not too soon to look into alternative options for your October renewal.
Good dental health is essential to your overall health! Protecting your smile starts with regular visits to the dentist, and a good dental plan. We are now offering Ameritas Individual Dental Insurance.
We’re here for you always! You can choose a policy with confidence, knowing a Cosmo Insurance representative will be there when you need them most. In addition to saving on premiums, our claims department works diligently to ensure that you only pay out-of-pocket expenses that you owe in the event you are billed incorrectly.
Gov. Phil Murphy signed a Health Insurance Tax, Law that imposes a 2.5% tax on health insurance companies that will help pay the premiums for people who rely on the marketplace created by the Affordable Care Act to shop for coverage. It takes effect Jan. 1, so affected employers will see the increase in their 2021 premiums.
Are you a business looking for insurance? Here is the difference between small, medium and large sized group plans.
Check out this video as Sohaibia Raza from our life insurance department, and our CEO, Mark Heschlag, go through the step by step process of applying for life insurance.
Self-Insurance is also known as a self-funded plan. This is a new way to control your costs and improve your benefits. Welcome to self-insurance 101, my name is Mark Herschlag, CEO of Cosmo Insurance.
You only have one smile and smiles are the first thing people see. That’s why everybody wants to have beautiful #healthy teeth. Dental insurance can help you maintain that smile through regular cleaning and preventative care.
Question we keep hearing: Will there be a credit on health insurance premiums??
Mark Herschlag, CEO of Cosmo Insurance Agency has the answer for you!
It’s never too early to plan for what may come next! Mark Herschlag, CEO breaks down important tips for employers and HRs incase of a “second wave.
It’s not just open enrollment for individuals – it’s also open enrollment for businesses. In this video, you’ll learn the what open enrollment for businesses really mean. We cover what it is, how it works and much more!
In this video, you will learn the basics of open enrollment. We will cover why it’s important, not only for individuals but also for businesses and much more!
In this video, you’ll learn the basics of group renewals for health insurance! We cover what it is, how it works, how to purchase it and much more! We strive to make the process stress-free and easy. Here’s what you need to know about group renewals
In this video, you’ll learn the step by step process of applying for health insurance during open enrollment and much more!
In this video, you’ll learn the basics of Health Insurance Open Enrollment! We cover what it is, how it works, how to purchase it and much more!
Why you should work with Cosmo Insurance Agency
Are you overwhelmed by your high #deductible plans? Mark Herschlag our CEO as a solution.
Employee retention is critical to the long-term health and success of your business. Here are 5 tips on employee retention.
A professional employer organization (PEO) provides comprehensive HR solutions for small and mid-size businesses. PEO’s provide a plethora of services. They take care of payroll, manage benefits, perform HR tasks and tax administration, and also regulate compliance assistance. Watch the video above to see how a PEO can help your business.
Is your family protect? Life insurance coverage is extremely important, especially when you have a family. Life insurance can help loved one who not only will face grief but also may face unexpected financial issues such as funeral cost. Protect your family!
Cosmo Insurance Agency Celebrates 10 Years! What began as a business in a basement has since grown into a larger entity with multiple offices. Our continued success comes from our clients, partners and staff. A huge Thank You to all of you. You Are Cosmo! The Aha Moment is waiting for you! Come experience a Universe of Solutions for YOU!
Is it time to process your business renewals? This time a year, we process hundreds of group renewals and we strive to make the process stress-free and easy. To prepare for your health insurance renewal here is a list of documents we will request.
Have you not receive your health insurance ID card yet? Don’t stress! Here’s what you need to know
Cosmo Insurance Agency is partnered with Employer Health Association providing self-employed individuals, health insurance, like fortune500 companies at affordable rates.
Cosmo Insurance Agency is a full-service independent insurance agency based in New Jersey that offers an all-encompassing range of insurance options for both individuals and businesses.
Disclaimer: The information on this website is for informational and educational purposes only and is not a substitute for competent insurance, legal or tax advice and you should consult with a licensed professional in your state.
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