Tag Archives: Essential Health Benefits

Take Charge of Your Health

[Spoiler Alert] In The X-Files TV series, Agents Mulder and Scully give their son up for adoption to protect him from a government conspiracy involving alien technology. While I can safely say most parents don’t have to face such perils, they would do anything possible to ensure the health and well-being of their children. Two years ago, my first child was unexpectedly born pre-term at 35 weeks. Now pregnant with my second child, I am considered a “higher risk” pregnancy because of my history and my doctors have recommended I take certain measures to help my baby go full-term. Continue reading Take Charge of Your Health

Captives: Cutting Chronic Costs Through Cohesion

I have a question for you. What is the most basic principle of insurance? Overinsurance. Some pay more than what they use so others can pay less. But what happens when “more” becomes too much, too often? What happens when an employer gets tired of continually subsidizing an insurance pool it consistently outperforms? What is a chronically overinsured employer to do? Continue reading Captives: Cutting Chronic Costs Through Cohesion

Evaluating Your Benefits Broker Relationship: 5 Important Questions to Ask

The receptionist calls to let you know that your insurance broker has arrived – it’s that time of year again – time to talk renewals. In walks the broker you’ve had for the last ten years. You exchange the usual pleasantries, but they’re ready to get right down to business. Now, don’t get me wrong, you like your broker. They are nice people and always return your calls. They resolve issues when you ask, and are glad to come out and see you once or twice a year. But is that enough? Are they really adding value to your business and to your employees? Continue reading Evaluating Your Benefits Broker Relationship: 5 Important Questions to Ask

Online Consumerism and Private Healthcare Exchanges

How is it that we make purchases on Amazon.com with a touch on a smartphone, yet many of us still buy group health insurance with paper and a pen? The discrepancy between the two different experiences is confounding. Yes, I would like to clarify that there are fundamental differences between buying Cards Against Humanity on Amazon.com and choosing the right health plan for you and your dependents. However, the marketplace tells us that those two different experiences will be converging. Employers are adopting technologies to more efficiently and accurately manage their benefits and human resource processes and employees are demanding that they do so. Continue reading Online Consumerism and Private Healthcare Exchanges