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Creating a 21st Century Shop Floor

Recruitment strategies for specialty manufacturers

Overtime Redux: How Business Can Prepare For Updated DOL Rules

Overtime Redux: How Business Can Prepare For Updated DOL Rules

Employee retention: It starts at the top.

Culture, engagement and top performance best practices for CEOs


Why Hire Idilus HR for Your Medical Practice?

Why Hire Idilus HR for Your Business?

Money Management


When it comes to your money, a little knowledge can go a long way. Choose a topic and start exploring.



The ABCs of Open Enrollment:

Deductible is the amount you owe for the healthcare services your health insurance/plan covers before it begins to pay. For example, if your deductible is $1,000, your plan won’t pay anything until you have met your $1,000 deductible for covered health services subject to the deductible. The deductible may not apply to all services.

Co-payment is the fixed amount (for example, $15) you pay for a covered service.

Co-insurance is your share of the costs for a covered health service, calculated as a percent (for example, 20 percent) of the allowed amount for the service. You must pay co-insurance plus any deductibles. For example, if the health insurance or plan’s allowed amount for an office visit is $100 and you have met your deductible, your co-insurance payment of 20 percent would be $20.

SBC (Summary of Benefits Coverage) is a seven-page document (often blue) in a required format that standardizes the way insurance companies and employers present your benefit plan information. This consistent format should make it easier for you to compare plans.

Healthcare Savings Accounts (HSAs) are tied to High Deductible Health Plans (HDHPs) and allow employees a tax advantage for medical expense savings. While the HSA contribution limit will have a small increase in 2017 to $3,400 for a single person, the contribution limit for a family will remain unchanged. The funds in these accounts are yours and you do not lose them at the end of the year.

Flexible Spending Accounts (FSAs) are pre-tax savings accounts where employees can save money for medical, dental or vision expenses. This account has a $2,550 maximum per year and only $500 can be “rolled over” to the next year. This type of account is often referred to as the “use it or lose it” account. To learn more about these types of accounts, visit:

FSAs may also be used to save pre-tax dollars for dependent care like pre-school, before- and after-school care, elder care and summer camp. For more information about dependent care, visit:

Commuter Transit Accounts are pre-tax accounts used for public transportation tickets like trains, subways, buses, ferries and vanpools. For more information about these accounts, visit:

The IdilusHR Benefits Team is ready to assist you Monday through Friday from 8 am to 6 pm CT by phone at 877.545.5666. Or, you can email us anytime at