Resources

Pharmacy Benefit Management (PBM) 101

Many employers typically use prescription drugs covered through their insurers. But new options for self-insurance let businesses hire pharmacy benefit managers (PBMs) independently from their…

How Do Companies Choose Health Insurance?

Why do employers select the health insurance carriers that they do? Most often, it is because of two reasons: access and discounts. The prevailing logic is…

People of Horton Adam Zielezinski

Dog Dad. Hockey Veteran. True Friend. Adam decided to double-major in Finance and Insurance while at Illinois State University, quickly realizing he enjoyed his insurance…

Five States Legalize Marijuana

Highlights New Recreational Laws – Arizona, Montana, New Jersey and South Dakota voted to legalize recreational marijuana. New Medical Laws – Mississippi and South Dakota voted…

Final Rule on Health Care Transparency

Important Dates January 1, 2022 – Detailed pricing information must be made public for plan years beginning on or after January 1, 2020. January 1, 2023 -…

People of Horton: Kristy Lambert

Animal Lover. Mother. Food Enthusiast. Kristy joined Horton in 2002 as Personal Lines Insurance Client Service Representative.

Hiring a New Claims Management Team? Make Sure They Do These Four Things

Over the next several years, commercial insurance brokers will face a growing claims advocate staffing gap. Since February 2020, the number of retired Boomers has…

Liabilities of Renting Your Home

You may be considering renting out your home for extra income while you’re away for an extended period of time. Though this seems like an…

Factors That Affect Your Home Insurance Premiums

Home insurance coverage can differ from policy to policy depending on a multitude of factors. Being aware of these factors that affect your premium can…

Weather Damage and Your Home Insurance Policy

Depending on the terms of your home insurance policy, some weather-related damages may not be covered. To ensure you have sufficient coverage, you must first…

People of Horton: Brian Lydigsen

Solar Expert. Grinder. Coach. Brian joined Horton in 2013 as a Sales Executive in Horton’s Construction Practice.

People of Horton: Tina Harville

Mother. Trailblazer. Companion. Tina joined Horton in 2016 as a Client Manager in Horton’s Employee Benefit Solutions Division.

Becoming an “Employer of Choice” – How the Manufacturing Field Can Retain the Best Talent Today

In early 2020, manufacturers struggled to find good quality talent. But COVID-19 put good employees back into the market due to layoffs, industry changes, safety…

Avoid Winter Slip-ups

Winter months present additional hazards that are typically not factors for employees during warmer weather – specifically, slip and fall concerns. With snow and ice-covered…

Responding to Requests for Mental Health Records

We frequently receive calls from health care providers who have either been served with a subpoena for mental health records or have received authorization or…

Preventing Rear-End Crashes

Of the various causes of accidents, rear-end crashes are some of the most common and dangerous. According to the FMCSA, 400,000 trucks are involved in…

GAWDA Safety Committee – Work in Process & Latest Updates

The Gases and Welding Distributors Association’s (GAWDA) Safety Committee is always working on new things. Horton’s Welding & Gas Practice Leader, Tony Hopkins, sits on…

People of Horton: Ryan Schnase

Family Man. Team Leader. Loyalist. Ryan joined Horton in 2010 as a Client Service Assistant.

Potential imminent cyber threat to hospitals and healthcare providers

By: James J. Giszczak, Dominic A. Paluzzi, Christine N. Czuprynski, Emily A. Johnson, Colin M. Battersby, McDonald Hopkins The FBI and DHS-CISA have issued a warning about…

2021 Retirement Plan Limits Released by IRS

Important Dates October 26, 2020: The IRS released the 2021 retirement plan limits. January 1, 2021: The effective date of the 2021 retirement plan limits. The Internal…

HSA/HDHP Limits Increase for 2021

In May 2020, the IRS released Revenue Procedure 2020-32 to provide the inflation-adjusted limits for health savings accounts (HSAs) and high deductible health plans (HDHPs) for 2021.…

People of Horton: Amy Vos

Team player. Go-getter. Dealmaker. Amy came to Horton fresh out of college.

Wine Collection Insurance: How It Works

So you’ve become a wine collector. What began as keeping a few bottles on hand developed into a passion for collecting. That hobby cellar has…

Stop Loss Captives – An Explanation

In today’s climate, managers need benefits solutions as resourceful and cutting-edge as the organizations they run. As every business is unique and requires its own…