The Phia Group Blog

By: David Ostrowsky With healthcare open enrollment season right around the corner, there’s a major emphasis on how employees should navigate the process. Is a High-Deductible Health Plan (HDHP) the most prudent option? Will a flexible spending account (FSA) be…

Naga Vivekanandan, Esq. Former President Joe Biden’s recent diagnosis of aggressive prostate cancer has brought national attention to the critical issues surrounding prostate cancer screening, particularly its accessibility and affordability. Biden, 82, was diagnosed with a high-grade form of the…

By: David Ostrowsky The world of rejected insurance claims is shrouded in mystery. It is an ecosystem of numbers and records often lacking full transparency to those searching for answers. Though some government-funded health plans are mandated to disclose their…

By: Ron E. Peck I still recall how one summer, when I was twelve years old, I insisted that I be allowed to stay home and relax rather than attend camp. For years prior – every summer – I’d be forcibly…

By: Kendall Jackson, Esq.   Self-funding health benefits is an appealing approach for many employers due to its flexibility. Employers can customize and tailor benefits to meet their employees’ needs, exercise control over healthcare spending, and implement measures to minimize…

By: Jon Jablon, Esq.   For years, the IRS’s HSA rules treated telemedicine like a threat: if your HDHP covered virtual visits before the deductible, your HSA eligibility disappeared. The idea was that people needed “skin in the game,” and…