News & Articles

When it comes to group health insurance, at the end of the day there are only 2 basic questions every employer asks themselves: What are the benefits I want to offer my employees? What is the best way to pay for them? Question #1 has to do with the types of plans or...

I have spoken at numerous events and seminars throughout the country for many years. Right now due to COVID-19 that’s good probably going to be put on hold for a while moving forward, although I have been asked to speak in November this year and again early next year....

The status quo in health insurance is not solving anything these days – in fact it’s creating havoc. Who on your healthcare "team" has an incentive for your costs to go down? Well, let’s define the "team" - hospitals and doctors, drug manufacturers, insurance...

I recently attended a webinar about the impact of COVID-19 on fully insured plans. It was very interesting and eye-opening about how much money is going to  insurance companies from employers with fully insured health plans, versus what an employer could save being...

I’m sure you have heard, read about, or experienced sky-high hospital charges, surprise bills, and their equivalent to the hospitals reimbursement from Medicare. It’s no surprise when you receive your Explanation Of Benefits (EOB) from your administrator or the bill...

Are you kicking the can down the road? I recently wrote an article about playing offense and defense with respect to your health plan. It appears from the reactions that I’m getting, most companies are kicking the can down the road – meaning that they are only playing...

I recently read an article in PR Daily where Ray Day, Vice Chairman of the Stagwills Group Marketing and Communication Agencies had some very relevant things to say about the current crisis. “Just like in sports you need to have two parts of your team running in...

Most of us have been hunkered down at home under the “stay at home” order and venturing out occasionally for essential items. At the grocery store many of the food items are off the shelves, not to mention toilet paper. This is due to not only people hoarding food but...

We’re all up to our eyeballs in all of the information surrounding the Coronavirus pandemic. The CDC, the WHO, and of course all of the media that continues to give us their perspectives of information – everything from optimism to speculation to pessimism. Amid all...

Are you doing the same old things in an attempt to lower your increases?   As long as I can remember in this business (and I've been around a long time), the limited options to explore for an employer when they receive an increase at renewal seems to take the...