Preventive Care that Actually Saves Money… Dental

Toothbrush and toothpaste in the bathroom close up.

Over the last two decades, the healthcare industry has tied itself in knots in order to validate the business case behind preventive medical care. And although preventive care services offer a variety of benefits – social and humanitarian, for example – the data seems almost conclusive that economics is not quite one of them. Too… [Read More]

OE Checklist: Last Chance to Catch Items You May Have Missed This Busy OE Season

OE Check List

What a busy time of year for most of us in the benefits arena. ‘Tis the season. In the midst of open enrollment chaos, employers are inundated with the frenzy of work and planning to ensure that employees are set for their new year. But what I’m always concerned about is what employers may be… [Read More]

Medical Loss Ratios—Savings or Illusion?


ACA legislation introduced a key cost control to the insurance market that aims to rein in insurers’ overhead. That’s supposed to save all of us—government, business, and consumers—money. Here’s how it works: Insurers must spend the bulk of the premiums they collect on actual medical claims (also called the medical loss ratio or MLR)—as opposed… [Read More]