What If I Delayed Enrolling in Medicare Part D?
What if I delayed enrolling in Medicare Part D, prescription drug coverage? Part D of Medicare is your prescription drug coverage. The Centers for Medicare and Medicaid Services (CMS) says anyone who is 65 years or older should start their Part D during their initial enrollment period. Many of our clients ask “If I do […]
What Impacts the Cost of Homeowners Insurance?
What Impacts the Cost of Homeowners Insurance: Key Factors You Should Know 4/29/2025 Homeowners insurance is a highly customized product, meaning what you pay depends on a unique mix of personal and property-related details. Understanding what insurance companies look at when calculating your premium can help you make informed decisions and better anticipate your costs. […]
How Can Employers Explain Employee Benefits Effectively
How to Communicate Employee Benefits Effectively Even the most competitive benefits package won’t make an impact if employees don’t understand it. Clear, consistent benefits communication is one of the most important—and often overlooked—parts of a successful employee benefits strategy. Why Does Effective Communication Matter? Boosts Utilization. Employees can’t take advantage of benefits they don’t know […]
How Can We Reduce Our Group Health Insurance Costs?
Strategies to Reduce Healthcare Costs Without Cutting Benefits Rising healthcare costs are a concern for nearly every employer. But cutting coverage or shifting more cost to employees isn’t the only option. There are smart, strategic ways to manage healthcare spending while keeping your benefits competitive and valuable. Evaluate Plan Design Consider offering multiple plan options, […]
Where Do I Even Start When I Am Ready For Medicare?
I have so many questions about Medicare. Where to I even begin? Are you turning 65 soon or retiring in the near future? This is when you call Frost Insurance Agency. We can set up an appointment to review the process and discuss what health care options you have as you approach these milestones. When […]
What to Expect When You Apply for Life Insurance
What to Expect When You Apply for Life Insurance The life insurance application process doesn’t have to be complicated. You have discussed your life insurance needs with your agent and you’re ready to complete an application. What’s next? That depends. Your age, health, type of policy and amount of coverage determines the information required for […]
Don’t Underestimate the Danger of Heat Stress
Take precautions to avoid heat stress during extremely hot or humid weather. Heat is a leading weather-related killer, according to the National Weather Service, and those who work or spend time outdoors should consider strategies to avoid heat-related illnesses. Extremely hot and humid weather makes it difficult for the body to regulate itself, and those who […]
How Can We Prevent Common Farming Accidents?
Top Farming Accidents and How to Prevent Them The agriculture industry, and farming in particular, remains one of the most hazardous work environments in the U.S. According to the Bureau of Labor Statistics, agriculture consistently ranks among the top sectors for workplace injuries and illnesses.  Whether it’s a small family farm or a large […]
Use Benchmarking Data to Improve Employee Benefits Plans
Using Benchmarking Data to Improve Your Employee Benefits Strategy How do your employee benefits stack up against other companies in your industry or region? Benchmarking data gives you the insight you need to stay competitive and ensure your benefits package truly meets employee expectations. What Is Benchmarking? Benchmarking is the process of comparing your company’s […]
I Let a Friend Drive my Boat. Am I Still Covered?
You Let a Friend Drive the Boat. Are You Still Covered? Read time: 2 minutes You’re out on the water, soaking up the sun. A friend offers to steer the boat while you grab a drink or check the motor. You hand over the wheel without thinking twice, and then a thought crosses your mind: If […]