Blue Horizon Benefits

Blue Horizon Benefits Blue Horizon Benefits provides benefit consulting and related services tailored to meet the specific www.bluehorizonbenefits.com

Blue Horizon Benefits provides benefit consulting and services tailored to meet the specific needs of our clients. We build value through the strength of our customers’ satisfaction and by consistently producing superior results. At Blue Horizon Benefits we help our clients become the employers they want to be. This commitment to a true partnership is what we were founded on. We will work with you

to create work environments that recruit the best talent, reward its people, and retain its employees through deliberately designed and implemented benefits packages. A strong benefits package is one that drives employee morale and engagement. We are a solution driven organization dedicated to transforming the way the industry works. We combine the technical and consultative approach of a benefits broker with the strategy and dedication needed to enhance human resources. The growing complexity of plan design, paired with the underlying confusion the Affordable Care Act has altered the way companies view their brokers. Choosing a benefits partner based on the quoting process is a thing of the past. Now more than ever, looking at the process as more than just numbers and financials allows you to ensure that you are designing and implementing a powerful, engaging, and well thought out benefits package that your employees will value and appreciate. We know you have many choices when it comes to choosing your benefits broker, not to mention, we know it is difficult to determine what makes one broker better than the next. At Blue Horizon Benefits, we are proud to say that we rise above other benefit firms by providing creative strategies, uniquely customized service platforms, leading resources and a knowledgeable and dedicated staff.

As million-dollar health insurance claims continue to surge, stop-loss insurers that provide excess coverage for self-in...
06/09/2026

As million-dollar health insurance claims continue to surge, stop-loss insurers that provide excess coverage for self-insured employers are increasingly using a controversial underwriting tactic to limit coverage for high-cost claimants.

The tactic, called "lasering," entails applying a higher deductible or exclusion to a specific individual or condition, like heart failure or cancer. Instead of the normal attachment point applying uniformly across the group, the insurer carves out higher-risk individuals and shifts more financial responsibility back to the employer.

https://bluehorizonbenefits.com/stop-loss-insurers-increasingly-lasering-high-cost-claimants/

Workers are increasingly turning to direct-to-consumer online drug platforms like Amazon Pharmacy, Mark Cuban Cost Plus ...
05/27/2026

Workers are increasingly turning to direct-to-consumer online drug platforms like Amazon Pharmacy, Mark Cuban Cost Plus Drug Company and the government-backed TrumpRx to buy prescription medications at prices sometimes far lower than what they would pay through their employer-sponsored health plans.

But in many cases, the money they spend on those drugs does not count toward their health plan deductible or annual out-of-pocket maximum. A new bill in Congress aims to change that.

Blog link on our website

As demand grows for employer-sponsored behavioral health programs, new research suggests that well-designed mental healt...
05/21/2026

As demand grows for employer-sponsored behavioral health programs, new research suggests that well-designed mental health programs can generate measurable financial returns for businesses while improving employee well-being.

Behavioral health services can deliver a projected return on investment of more than 500%, with employers seeing about $6.07 returned for every $1 spent, according to a new report. The cost returns from behavioral health services are derived from reduced absenteeism and presenteeism, improved productivity and reduced medical spending.

Visit our website to read full story.

For many workers, retirement marks the first time they must make complex health coverage decisions on their own. After y...
05/14/2026

For many workers, retirement marks the first time they must make complex health coverage decisions on their own. After years of relying on employer-sponsored insurance, the transition to Medicare can feel abrupt and confusing, often leaving employees unsure of what to do next.

Employers that step in to guide workers through this transition can improve retirement outcomes, reduce benefit costs and strengthen employee trust. When older employees understand their Medicare options, they are more likely to retire on time, avoid costly mistakes and feel supported by their employer.

Full story on our website

Employers are grappling with another year of steep increases in group health plan premiums due to medical cost inflation...
05/12/2026

Employers are grappling with another year of steep increases in group health plan premiums due to medical cost inflation, higher utilization and rising drug prices.

At the same time, health insurers can no longer shift additional costs to employers and employees through higher deductibles or narrower networks.

Instead, many insurers are pursuing structural changes designed to control long-term costs while improving care quality and member experience. Here's what they are pursuing with the goal of reducing costs for themselves, employers and their covered workers.

https://bluehorizonbenefits.com/how-health-insurers-are-trying-to-rein-in-costs-without-cutting-value-2

As rising health insurance premiums and out-of-pocket costs for health care are burdening workers, more employers are lo...
05/01/2026

As rising health insurance premiums and out-of-pocket costs for health care are burdening workers, more employers are looking for ways to help their staff put aside money for those expenses.

While health savings accounts have grown in popularity, you can only offer them to employees who are enrolled in high-deductible health plans. Fortunately, there is another option: a health reimbursement arrangement. Here's how they work.

https://bluehorizonbenefits.com/hras-can-help-your-staff-pay-for-medical-expenses/

Employers that sponsor health plans will face a new layer of compliance risk under the Consolidated Appropriations Act o...
04/23/2026

Employers that sponsor health plans will face a new layer of compliance risk under the Consolidated Appropriations Act of 2026, which imposes sweeping transparency and reporting rules on pharmacy benefit managers.

The law aims to open up the "black box" of prescription drug pricing, but it also puts both self-insured and fully insured employers closer to the compliance line, with potential civil monetary penalties that can reach $10,000 per day for reporting failures and $100,000 per violation for knowingly providing false information.

https://bluehorizonbenefits.com/new-pbm-rules-raise-compliance-stakes-for-employers/

During the last three years, a new driver of health plan costs has emerged: a growing share of employees are postponing ...
04/15/2026

During the last three years, a new driver of health plan costs has emerged: a growing share of employees are postponing doctor visits, screenings and even medications until conditions worsen.

Instead of early, lower-cost intervention, employees are entering the system later and sicker. This is fueling more catastrophic claims, higher utilization of emergency services and ultimately higher costs for employer-sponsored plans.

https://bluehorizonbenefits.com/delayed-care-fuels-chronic-conditions-drives-health-plan-costs/

One way you can give your staff more choice in the employee benefits they receive is to offer them a cafeteria plan, whi...
04/09/2026

One way you can give your staff more choice in the employee benefits they receive is to offer them a cafeteria plan, which allows them to put together a benefits package that works best for them.

Employers fund these flexible benefit plans with funds that are deducted from their employees' salaries on a pre-tax basis. Since the salary reductions are not received by the employee, they are not considered wages for income tax purposes.

Cafeteria plans are particularly good for participants who have regular expenses related to medical issues and childcare. Here's how they work.

https://bluehorizonbenefits.com/flexible-benefit-plans-give-employees-more-options-2/

For many U.S. workers, health insurance remains confusing, intimidating and underutilized. Despite the billions employer...
04/08/2026

For many U.S. workers, health insurance remains confusing, intimidating and underutilized. Despite the billions employers spend on benefits each year, a large share of employees does not fully understand how their coverage works or how to use it effectively.

When employees lack health care literacy — the ability to find, understand and use health information and services — they are more likely to delay care, make poor medical decisions and incur unnecessary costs. Fortunately, you as an employer are in a prime position to help them.

https://bluehorizonbenefits.com/employers-should-make-employee-health-care-literacy-a-top-priority/

Address

Danvers, MA
01923

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

Telephone

+19785603965

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