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 Employee benefits have a significant financial and administrative impact not just on a business, but for an employee as well. The educated American work force has come to expect a comprehensive benefits program; the absence or inadequacy of such a program can seriously hinder a company's ability to attract and retain the best personnel. Designing the right benefit plan for you as an employee, is a complex task that includes taxes, legal aspects, funding, and selection of vendors and/or administrators.
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 Have you ever been stumped by the terminology used when speaking of your benefits? What does COB mean? Why is it so important? What is a deductible? What is coinsurance? What is the difference between a copay and coinsurance? Medical insurance can be very confusing when you do not understand what these terms mean.
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 Controlling health care costs is a hard issue to tackle. Prescription drug costs play a large role in the rising costs of health care. As consumers we feel the impact of high health care costs and seldom realize that we have the right to help control them.
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 Did you know that the U.S. Department of Agriculture has redesigned the food pyramid? In order to motivate consumers to eat healthier and live healthier lifestyles, the U.S. Department of Agriculture has designed a different approach to the food pyramid.
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