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Videos

2021

  • All Categories
  • Covid-19
  • Dental Insurance
  • Employee Benefits
  • Health Insurance
  • Life Insurance
  • Long-Term Care Insurance
  • Open Enrollment
  • Self Insurance
  • Vision Insurance

Employee Benefit Support for HR

In today’s competitive job market, attracting top talent goes beyond mentorship and career development. Attractive compensation and benefits are crucial.

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What is the New Qualifying Event?

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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Highlights from 50th Annual HCANJ Spring Conference

Please enjoy some highlights from the 50th Annual HCANJ Spring Conference.

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Should the Stay-at-home Parent Have Life Insurance?

My wife is a stay-at-home mom should I get her a life insurance policy? The short answer is YESS!

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Is Your Business Eligible for Group Insurance?

Are you looking for group health insurance for your business and wondering if you are eligible? Watch this video to find out.

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Life Insurance Can Be a Financial Lifeline for Small Business Owners

Did you know that life insurance could be a financial lifeline for small business owners?
driving record
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How Your Driving Record Affects Your Life Insurance Rates?

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.

setup life insurance
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Different Ways to Setup Life Insurance For Your Business?

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?

life insurance benefits
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Why Employers Should Offer Life Insurance Benefits?

Are you looking for ways to expand your employee benefits? Have you considered offering group life insurance to your employees? In this video Mark Herschlag, will explain why you should be offering life insurance to your employees.
covid tests
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Over-The-Counter COVID-19 Test Are Now Free

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.

level funded plans
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What are Level Funded Plans?

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:

ceu healthcare event
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Highlights from CEU Healthcare Event

Take a look at some highlights from yesterday’s networking event, “Where nursing home administration and mentalism connect.”

open enrollment 2022
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Did You Miss Open Enrollment 2022?

Did you miss the open enrollment deadline? No need to stress. We have great news!

cheers from cosmo
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Cheers to Health, Happiness, and Prosperity in 2022!

Mark Herschlag, CEO of Cosmo Insurance Agency has a message to share with everyone this New Year! WATCH NOW

group health insurance
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How Group Health Insurance Works with Common Ownership?

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!

small business health insurance
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How Does Small Business Health Insurance Work?

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!

insurance brokers
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How Can Insurance Brokers Help Support HR Reps?

An important service that Cosmo Insurance provides to HR reps is helping them explain to employees how to get the most value from their insurance coverage. This video will also explain all the additional benefits we offer HR reps at no extra cost.

Open Enrollment & Get Covered New Jersey

Open Enrollment is here – don’t delay, get covered now! The Open Enrollment Period ends January 31, 2022 so explore your options today!

long term care insurance faq
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Reference-Based Pricing Explanation for Self-Insured Plans

In this video, Mark Herschlag explains reference-based pricing and how it might be an excellent option for your business. Take a look!

difference group and personal insurance
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What is Small Business Open Enrollment?

It’s that time of year again when small businesses can enroll in a group health insurance plan with just ONE employee enrolling.

long term care insurance faq
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Open Enrollment 2022: What is Ambetter?

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.

long term care insurance faq
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What’s the Difference Between Group & Personal Insurance?

In this video, Mark Herschlag will explain the main differences between group insurance and individual insurance.

long term care insurance faq
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Long Term Care Insurance Frequently Asked Questions

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!

options long term care
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What Are Some Plan Options for Long Term Care Insurance?

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!

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What is Long Term Care Insurance?

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.

biden vaccination mandate
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What Does President Biden’s Vaccination Mandate Mean?

What are President Biden’s new COVID-19 plan requirements, and what does this mean for employees?

life insurance awareness month
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National Life Insurance Awareness Month

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.

rosh hashanah
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Celebrating Rosh Hashanah

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!

understanding marketplace
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Understanding the Marketplace

There has been some confusion lately about the Marketplace and health insurance. In this video, we will help you understand the difference.

bankruptcy
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NJ Health Insurance Company Filed Bankruptcy: What You Need to Know

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.

why should i have vision insurance
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Why Should I Have Vision Insurance?

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.

health insurance options college students
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Health Insurance Options for College Students

Heading to college soon? In this video, Mark Herschlag will go over all the health insurance options college students have.

difference between term whole life
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What is the Difference Between Term and Whole Life Insurance?

A common debate is which life insurance should you choose term or whole life insurance. Watch this video to help you decide.

newborn to health insurance plan
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Adding a Newborn to Your Health Insurance Plan

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.

health insurance bankruptcy
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NJ Health Insurance Plan Files Bankruptcy

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.

medical treatment covered
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Why Wasn’t My Medical Treatment Covered?

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

employee benefits
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Cosmo’s Saves You On More Than Just Your Employee Benefits

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.

right broker
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Don’t Just Look For Insurance Look For The Right Broker

It’s not just important to look for the perfect insurance plan, but it’s essential to find the right broker.

switch your health insurance
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Switch Your Health Insurance & Save Big!

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.

self insurance
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How Does Self Insurance Work?

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.

health insurance goes bankrupt
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What Happens If My Health Insurance Company Goes Bankrupt?

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.

cobra plan vs marketplace plan
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Can I Drop My COBRA Plan and Sign Up for a Marketplace Plan Now?

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.

importance group disability
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Importance of Group Disability Insurance

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.

why purchase dental insurance
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Why Purchase Dental Insurance

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!

stress awareness
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April is Stress Awareness Month!

How do you handle stress at work?
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How to Go About Offering Benefits to Your Employees

Are you looking to offer benefits? In this video, Mark Herschlag, CEO of Cosmo Insurance will guide you on how to go about offering benefits to your employees.
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COBRA Subsidy

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.

hr help covid 19
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Types of Health Insurance Plans

Looking for what health insurance types are available? In this video, Mark Herschlag, CEO will go over the differences between PPOs, EPOs, HMOs, and POSs, and much more!
hr during covid 19
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Cosmo’s Online Enrollment Process

Large groups have always had the advantage of having online enrollments for their team but we now offer an online enrollment center for all businesses including small businesses. Take a look at the video to see the step by step process.
hr covid 19
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How HR Can Help Their Employees During COVID-19

COVID-19 has completely changed the workplace dynamic, companies had to make adjustments on how they conducted business and managed their employees. Take a look at what our COO, Connie Herschlag has to say
Mark Herschlag
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What Does a Health Insurance Broker Do?

What does a health insurance broker actually do?
Watch this video, Mark Herschlag will explain what you can expect from a Cosmo Insurance broker.
Mark Herschlag
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January Legislative & Compliance Update

In this video Mark Herschlag will discuss legislative and compliance update regarding employer reporting changes, COVID-19 relief, hospital transparency, and surprise billing.

Mark Herschlag
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Hurry! Open Enrollment Ending Soon

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!

Mark Herschlag
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Covid-19 Health Insurance Surcharge

Health insurance 5.5% surcharge 😱 Can this be?
Watch the video below! Mark Herschlag will explain all the changes and what this means!
Mark Herschlag
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Why Use Cosmo Insurance?

Why use Cosmo Insurance Agency for your insurance needs whether it’s for yourself, your family or your business.

Mark Herschlag
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Open Enrollment 2021 Extended Deadline

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
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Looking Back at 2020 Cosmo Insurance

Looking back at 2020 – what a year it was! We made the most out of it and can’t wait for 2021!

cosmo insurance agency
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Our Team is Here for You Always!

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!

health insurance open enrollment 2021
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La Inscripción Abierta 2021 Para El Seguro Médico: Health Insurance Open Enrollment 2021

Reminder: Open Enrollment 2021 starts Sunday, November 1, 2020 and ends Sunday, January 31st, 2021.
La Inscripción Abierta 2021 comenzó el primero de noviembre de 2020 y termina el 31 de enero de 2021.
Mark Herschlag
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Understanding Your Health Insurance Costs

You are looking at insurance plans and deciding which one to purchase, but your number one question is how much will it cost?

Mark Herschlag
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Personal Insurance vs Employer Sponsored Insurance

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….

Mark Herschlag
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HDHP & HSA Limits for 2021

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?…

open enrollment
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Welcome to Open Enrollment

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!….

Group vs Individual Insurance During Open Enrollment

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.

Mark Herschlag
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Health Insurance Rebate

If you have private health insurance through a business or individual, we have exciting news for you!

nj
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Get Covered NJ

Cosmo Insurance Agency will be on the “Get Covered NJ” exchange. Get covered NJ is New Jersey’s new marketplace.

Mark Herschlag
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Health Insurance Terms You Should Know When Looking For Insurance

Knowing key health insurance terms is very important when choosing a health plan, so make sure you understand them.

Mark Herschlag
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Trump vs Biden’s HealthCare Plan

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.

employee benefits
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Large Group Renewals

Attention large groups its not too soon to look into alternative options for your October renewal.

dental insurance
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Ameritas

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.

claims department
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Insurance Claims: Resolving Your Claims is Cosmo’s Aim

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.

health insurance
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NJ Health Insurance Tax

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.

group health insurance
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Group Health Insurance: Difference Between Small, Medium and Large Sized Group Plans

Are you a business looking for insurance? Here is the difference between small, medium and large sized group plans.

life insurance
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Life Insurance: Step by Step Process

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.

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How does self-funded plans work?

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.

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How Does Dental Insurance Work? Health Insurance vs. Dental 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.

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Savings on Health Insurance

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!

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Important Tips for Employers and HRs Incase of a “Second Wave”

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.

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Business Open Enrollment

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!

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Open Enrollment for Business and Individuals

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!

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Group Renewals 101 | Health Insurance | Cosmo Insurance Agency

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

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Applying For Health Insurance

In this video, you’ll learn the step by step process of applying for health insurance during open enrollment and much more!

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Open Enrollment 101

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!

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Why Cosmo Insurance Agency

Why you should work with Cosmo Insurance Agency

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What are Bridge Insurance Plans?

Are you overwhelmed by your high #deductible plans? Mark Herschlag our CEO as a solution.

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Employee Retention

Employee retention is critical to the long-term health and success of your business. Here are 5 tips on employee retention.

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What is PEO? – Employee Benefits

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.

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Common Questions Asked About Life Insurance

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!

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Cosmo Insurance 10th Anniversary

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!

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Business Renewals – Health Insurance

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.

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Health Insurance ID Cards

Have you not receive your health insurance ID card yet? Don’t stress! Here’s what you need to know

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Self-Employed? Need Health Insurance?

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Self-Employed, Looking for Health Insurance?

Cosmo Insurance Agency is partnered with Employer Health Association providing self-employed individuals, health insurance, like fortune500 companies at affordable rates.

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Small Business Enrollment for Health Insurance

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Cosmo is Now Partnered with Employer Health Association (EHA)

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Open Enrollment 2019 Rates Decreased by 7%

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