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Employee Benefit Consulting, LLC

Name: Employee Benefit Consulting, LLC
Address: 500 Ala Moana Boulevard, Tower 2, Suite 303, Honolulu, HI, 96813, US
Telephone: +18085347331

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06/15/2026

With summer travel picking up, our team wanted to share a few helpful reminders about how Medicare works when you’re away from home.

Many people assume their coverage will follow them no matter where they go, but that’s not always the case. Depending on your plan, factors such as provider access, network rules, and even geography can affect what’s covered and how much you may pay out of pocket if you need care while you’re away from home.

The good news is that a little planning ahead of your trip can help you avoid surprises and feel more confident if something unexpected comes up while you’re traveling. Swipe for a few things to keep in mind as you prepare for any summer travel.

If you’d like help reviewing your plan to fully understand your policy ahead of any summer travel, we’re always happy to lend a hand. Just give us a call, and we can get started.

06/10/2026

When it comes to dental insurance, assumptions about how plans work can sometimes lead to confusion. Knowing the facts can help you make smarter decisions about your care and your coverage.

Here are a few more common dental insurance myths to be aware of:

✅ “Dental insurance works just like medical insurance.” Dental plans are generally structured around preventive maintenance and predictable cost-sharing. Many include annual maximums and tiered coverage levels for preventive, basic, and major services.

✅ “If nothing hurts, there’s no need to go for a visit.” Some dental conditions can develop without pain at first. Regular preventive visits enable early detection, helping to reduce the likelihood of urgent or more costly treatment later.

✅ “Indemnity plans pay whatever the dentist charges.” Indemnity plans typically reimburse based on standard fee benchmarks, not necessarily the full billed amount. If provider fees exceed those benchmarks, the remaining balance may become the patient’s responsibility.

Preventive visits and a clear understanding of your plan can go a long way in protecting both your oral health and your wallet. If you would like help reviewing your dental coverage, I would be glad to assist.

06/06/2026

Dental insurance can feel confusing, and small misconceptions can lead to delayed care, missed benefits, or higher out-of-pocket costs over time. With Oral Health Month as a reminder to prioritize preventive care, it is a great opportunity to clear up a few common myths.

Here are a few things many people misunderstand about dental coverage:

🔹 “Cleanings aren’t covered.” In fact, many dental plans emphasize preventive care. Exams and cleanings are often covered at high levels because catching issues early helps reduce the likelihood of more extensive, costly procedures later.

🔹 “Waiting to treat issues can save money.” Delaying treatment typically increases costs. For example, a small cavity treated early may require only a basic filling, while waiting could lead to a crown or root canal with higher coinsurance and more time involved.

🔹 “All dentists are in-network with my plan.” Networks vary by plan and carrier. Scheduling with an out-of-network provider without verifying participation can result in higher out-of-pocket expenses.

Understanding how your dental plan works can help you get the most value from your coverage. If you have questions about how your dental benefits work, feel free to reach out. I am always happy to help review your options.

06/03/2026

June is Men's Health Month, and there is no better time to encourage you or the men in your life to take advantage of preventive screenings included with their health care coverage. Preventive screenings are among the most powerful tools for early detection of serious illnesses, and catching something early can make all the difference.

Here are some key screenings and wellness checks worth knowing about and at what age they start:

✅ Cholesterol checks - These key preventive screenings should start at 17 to monitor heart health and reduce the risk of heart disease and stroke. They’re recommended every four to six years.
✅ Diabetes screening - Diabetes screenings are recommended to begin at age 35 and every three years after, or earlier if risk factors are present, such as family history or being overweight.
✅ Prostate cancer screening - Men should start receiving regular prostate cancer screenings with their doctor, typically starting around age 50, or earlier for those with higher risk factors.
✅ Colorectal cancer screening - For men, a colonoscopy is recommended starting at age 45 for those with average risk and should be repeated every 10 years. The frequency of screening may increase based on your doctor’s assessment of your risk level.
✅ General mental health screening - These screenings are often conducted at annual checkups, at any age. They are a good time to speak openly with your provider about anxiety, depression, or any changes in your mood.

Every man's health journey looks different, so it’s best to talk with your doctor about which screenings are right for your age, history, and lifestyle.

Have questions about what your health coverage includes? Give us a call. We are here to help you make the most of your benefits.

05/28/2026

As summer approaches, calendars fill up quickly. This is often when routine health care gets put off, but taking care of these preventive services early can help keep you healthy all summer long. Many of these services are covered under health plans and are designed to detect potential issues early, before they turn into more serious health concerns.

Coverage varies, but common preventive services may include:

✅ Annual wellness visits and routine physical exams.
✅ Blood pressure, cholesterol, and diabetes screenings.
✅ Cancer screenings.
✅ Well-child visits and developmental checkups.
✅ Recommended vaccinations.
✅ Preventive counseling related to nutrition, to***co use, or mental health.

Booking appointments in advance can also help avoid scheduling bottlenecks and missed coverage opportunities.

If you have questions about what your plan covers, don’t hesitate to reach out. Our team is here to help guide you.

05/22/2026

In honor of Memorial Day, we invite you to join us in taking time to remember and honor the brave men and women who made the ultimate sacrifice to protect our country and preserve our freedom.

Please note that our office will be closed on Monday, May 25th, in observance of Memorial Day. We will resume normal business hours on Tuesday, May 26th, and will respond to any messages received during the closure as promptly as possible.

Wishing you a respectful and meaningful Memorial Day.

05/19/2026

Mental Health Awareness Month is a good time to remember that support might already be closer than you think. Many health plans include resources that can help with stress, sleep, and everyday mental wellness, and you don’t have to navigate them alone.

We encourage you to reach out to a licensed therapist or mental health professional if you notice that your day-to-day activities are being regularly impacted by your mental health, or if you feel like you need or want help.

If you have questions about your plan, don’t hesitate to reach out. We’re here to help you.

05/15/2026

If you or a loved one has been scammed, it can feel incredibly stressful and overwhelming. The good news is that there are dedicated resources to help you recover funds, protect your identity, and report fraud.

🔹 FTC Fraud Reporting - Report fraud and get personalized recovery steps at https://reportfraud.ftc.gov/

🔹 FBI Internet Crime Complaint Center (IC3) - Report internet-facilitated crimes at https://reportfraud.ftc.gov/

🔹 Identity Theft Recovery - Get a recovery plan at https://www.identitytheft.gov/, the U.S. government's official identity theft website

🔹 AARP Fraud Watch Network - Reach out for support and guidance at https://www.aarp.org/money/scams-fraud/helpline/

The best thing you can do if you believe that you’ve been scammed is to report the fraud immediately. And remember, you are not alone.

We hope that you find this information helpful. As always, feel free to reach out if you have any questions or need guidance within the team’s area of expertise.

05/14/2026

Scams are becoming more sophisticated, but there are clear red flags that can help you identify them quickly. Here is what to watch for:

🔵 Sense of urgency - Scammers create pressure by instructing you to act before a deadline or implying something bad will happen if you don't act immediately.

🔵 Impersonation of trusted sources - Fraudsters pose as government officials, tech companies, or other trusted organizations to make their messages seem legitimate.

🔵 Too-good-to-be-true offers - Free money, significant discounts on products not on sale, or prizes requiring upfront fees are classic scam tactics.

🔵 Poor message construction - Look for email addresses with misspelled domains, spelling and grammatical errors in the body of the message, “Under Construction” or “Coming Soon” job link sites, and website error links in email signatures.

The best defense is to pause and verify the source. If you know the sender personally, reach out directly. If it is from an organization, contact them through their official website.

We hope you find these scam identification tips helpful. As always, feel free to reach out if you have any questions or need our team; we are here to leverage our expertise for your benefit.

05/13/2026

With National Senior Fraud Awareness Day on May 15th, we wanted to reach out to go over several common scams making the rounds so you can quickly identify potential scam messages.

✅ Tech Support Scams - Fraudsters impersonate reputable tech support representatives and claim there is a problem with your device. They seek remote access or payment to "fix" issues that don't exist.

✅ Government or Medicare Impersonation - Scammers pose as representatives from Medicare, the Social Security Administration, or other agencies to collect personal information or payments. Real agencies do not solicit such data by unsolicited calls, texts, or emails.

✅ Family Imposter Scams - Criminals pretend to be a loved one in distress and pressure you to send money immediately.

✅ Sweepstakes, Lottery, and Prize Scams - You are told that you have won money but must pay fees to collect your "winnings."

✅ Romance or Investment Scams - Scammers build emotional trust online, then exploit it for financial gain.

We hope these tips are helpful as we all navigate an increasingly online world. As always, if you have questions or need guidance within our area of expertise, do not hesitate to reach out. We are here to help.

Address

500 Ala Moana Boulevard, Tower 2, Suite 303
Honolulu, HI
96813

Opening Hours

Monday	9am - 4pm
Tuesday	9am - 4pm
Wednesday	9am - 4pm
Thursday	9am - 4pm
Friday	9am - 4pm

Telephone

+18085347331

Website

http://www.ebchawaii.com/

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