We hope this newsletter finds you positive but testing negative.

The holidays are fast approaching and naturally your focus turns to being good to others. This season and throughout the new year, remember to not only be good to others, but better to yourself.

Wishing you and yours a healthy and happy holiday and a prosperous 2024.

That’s the bottom line. Enough said.

The gift giving season started early this year for the Fund Offices. In November, those diligent and involved Plan participants were gifted with the Funds inside tip on its 3 forever investments, the 2 things that they must know about the U.S. Healthcare system, and how to get four more free Covid-tests.

Have you ever wondered why the Plan requires all HRA submissions to be substantiated by an explanation of benefits?

There are two answers to this conundrum. The first is the Internal Revenue Service. They require all account holders to verify the eligibility of any HRA reimbursement for goods or services by submitting detailed documentation in the form of an explanation of benefits or complete receipts.

……. the more we realize how much more there is left to discover! For example, in the last two decades we learned that we do not understand ninety-five percent of what comprises the universe.

Our ignorance about what we know about the human body is a bit more embarrassing.