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.

The U.S. Department of Labor has proposed a rule that would make electronic delivery the default for delivering many req...
08/06/2026

The U.S. Department of Labor has proposed a rule that would make electronic delivery the default for delivering many required health plan notices, a move that could significantly reduce paperwork and administrative costs for employers.

For employers, the proposal could substantially reduce the time and expense of printing, stuffing and mailing millions of required benefits notices each year. Employees may also find it easier to access important plan information on their phones or computers whenever they need it.

https://bluehorizonbenefits.com/proposed-rule-would-make-electronic-health-plan-notices-the-default/

A new report finds that many employers believe they are doing a good job meeting workers' benefits needs, but employees ...
07/31/2026

A new report finds that many employers believe they are doing a good job meeting workers' benefits needs, but employees often see things differently.

The findings in Aflac's "Workforces Report" highlight growing gaps in communication, financial preparedness and access to benefits information that could affect engagement and retention. The report identifies areas where employers can improve benefits delivery and increase benefit uptake and usage, which can help improve employee retention and attract new talent.

https://bluehorizonbenefits.com/benefits-disconnect-employees-want-more-support-better-communication/

A recent survey of more than 900 men found that 42% skipped recommended medical care in the past year, while 82% said th...
07/23/2026

A recent survey of more than 900 men found that 42% skipped recommended medical care in the past year, while 82% said they prioritize their family's needs over their own health.

Those findings should be a wake-up call for employers. Preventive care can help identify health issues before they become serious and expensive, yet many men are delaying routine screenings, annual physicals and mental health care.

https://bluehorizonbenefits.com/mens-health-at-work-how-to-encourage-preventive-care/

A new study has found that physicians and hospitals are winning payment disputes for planned procedures like surgeries h...
07/16/2026

A new study has found that physicians and hospitals are winning payment disputes for planned procedures like surgeries handled through the No Surprises Act dispute resolution system with awards that are sometimes more than 100 times typical rates.

These awards are adding "tens of thousands of, or in some cases even more than one hundred thousand, dollars in excess costs" per claim, according to the study by Elevance Health. This consequence of a law that was supposed to drive down costs could raise health insurance premiums paid by employers and workers.

https://bluehorizonbenefits.com/report-no-surprises-act-dispute-process-driving-costs-for-planned-procedures

Employers may soon have a new way to help employees access fertility treatments without incorporating those benefits int...
07/07/2026

Employers may soon have a new way to help employees access fertility treatments without incorporating those benefits into their primary health plans.
The Departments of Labor, Health and Human Services and the Treasury have proposed regulations that would create a new category of "limited excepted benefits" for fertility treatments under the Affordable Care Act. If finalized, employers could begin offering these benefits in 2027. The proposal is intended to expand access to fertility care while giving employers more flexibility in designing benefit programs.

https://bluehorizonbenefits.com/proposed-rule-would-let-employers-offer-standalone-fertility-benefits/

Employers who provide group health insurance and wellness programs to their employees tend to have lower overall workers...
06/30/2026

Employers who provide group health insurance and wellness programs to their employees tend to have lower overall workers' compensation costs.

While the programs are separate, employees who have access to preventive care, chronic disease management and wellness resources are often healthier when an injury occurs. This may lead to fewer complications, faster recoveries and lower claim costs.

https://bluehorizonbenefits.com/offering-group-health-can-affect-workers-comp-costs/

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.

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Danvers, MA
01923

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

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+19785603965

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