Putting Consumer-Driven Health Plan Adoption on the Fast Track

Putting Consumer-Driven Health Plan Adoption on the Fast Track

With rising costs in the group-based market, trends in health plan design stay pointed at plans with member responsibility. So now, more than ever, employers should be concerned over the effectiveness of their employee benefit communications. Think your company is doing a great job? The 2017 Alegeus Broker and Employer Research Report finds employers are… [Read More]

A Look Back at Private Exchanges

A Look Back at Private Exchanges

It’s been about 5 years since we posted our thoughts about the likely adoption of private exchanges. At the time, consultants and Wall Street analysts were touting these exchanges as the greatest innovation in employer benefits since 401(k)s. Many suggested that by 2018 more than 20%, and perhaps as many as 50%, of employers would… [Read More]

Take Advantage of Health Insurer Cherry Picking

Take Advantage of Health Insurer Cherry Picking

I frequently witness the frustration of small group employers over the inability to customize plan design or receive premiums that reflect the health of their employee population. Growing companies often look forward to hiring their 51st employee, the magical threshold where many state insurance laws allow rate negotiation and some plan design flexibility. Some states even… [Read More]

Employer-Based vs. Individual Coverage – What Employees Should Know

Employer-Based vs. Individual Coverage – What Employees Should Know

At the Benefits Help Desk we often hear from employees who are unclear on the difference between their employer-sponsored health plans and the coverage they can purchase outside of work, like those available from the individual marketplace. We all know how difficult healthcare can be to navigate. It’s no surprise that it may not be… [Read More]

Wellness Incentives – a Case Study

Wellness Incentives – a Case Study

One of the most common questions I receive from my clients is, “how do we get more employees to participate?” While I wish my answer could be about appealing to the intrinsic value of improving one’s health, my most common responses are: Provide a more enticing incentive. Increase promotion. Get senior leadership onboard and involved…. [Read More]

Decoding Network Disruption

Decoding Network Disruption

One of the most critical factors an employer considers when deciding to change medical (or dental) carriers is network disruption. And rightfully so. Improvement or deterioration in the network penetration rate can have a profound impact on the underpinnings of the program. First and foremost, members will be influenced by any change in network coverage…. [Read More]

Stop Loss Insurance… More Important Than Ever

Stop Loss Insurance... More Important Than Ever

With the increase in popularity of self-insurance, health plan sponsors must take the time to fully understand the “safety net” that is typically purchased alongside these plans to protect them from unexpected costs. There are two elements of stop loss: Individual (or Specific) Stop Loss (ISL) protects against the costs of any one claimant exceeding… [Read More]

Boosting Voluntary Benefits Enrollment Is a Win-Win

Boosting Voluntary Benefits Enrollment Is a Win-Win-514276062

I know we’ve all been doing a bit of nail biting since the administration change over the uncertainty that lies ahead. And although we don’t have any control over the outcome of healthcare reform, there are ways to support and empower your employees during this new era. Educating employees about their total benefits package is… [Read More]

And You Thought There Was Nothing New in Healthcare? Shifting from “Volume” to “Value”

And You Thought There Was Nothing New in Healthcare

High deductible plans are running their course. Wellness, while useful, isn’t delivering immediate savings. Many of our clients are wondering what “the next big thing” is in healthcare delivery. Alongside the rising trend of healthcare consumerism, Accountable Care Organizations and the buzz of private exchanges stormed into the healthcare delivery conversation. We’re now starting to… [Read More]

The “Sitting Disease” is Killing Your Employees

The Sitting Disease is Killing Your Employees

As I deposit a check through an app on my phone (for my bank that’s less than 6 blocks from my apartment) I realize just how easy humans have it nowadays. In an age of convenience we’re more sedentary than ever. The average office worker sits for around 10 hours each day – moving from… [Read More]