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]

Dodging the Tax Reform Bullet

Ran through bullets. Businessman running dodge obstacles. Concept business illustration. Vector flat

There is a real retirement savings crisis brewing in this country. Many folks are simply not saving enough to pay all their expenses for 20 or more years in retirement. That is why it was alarming when some of the early proposals of the tax reform package that was recently passed included such disincentives to… [Read More]

Recent Studies Challenge Conventional Wisdom

13+ Month Renewals With Eyes on the New Small Group Market

There have been a couple of research publications over the last few weeks that have challenged some long held beliefs in plan design construction. Employers should take note before embarking on their next major program initiatives. The first was a study by Physicians for a National Health Program that reviewed the purchasing patterns of 150,000… [Read More]

Education is Critical in High Deductible Plan Management

Education is Critical in High Deductible Plan Management

A recent study by Truven Health Analytics confirms that there are savings in consumer-directed health plans (CDHPs). In a three year study of 183,000 continuously enrolled CDHP members, an annual savings of $457 to $532 per member per year, or almost 10%, was demonstrated. This, while the number of employers offering CDHPs increased to 64%… [Read More]

Is the MyRA Worth All the Fuss?


2015 marks the rollout of the MyRA. Introduced by President Obama in his 2014 State of the Union address, the MyRA provides tax-advantaged savings for people who do not have access to an employer-sponsored retirement plan. As many of these accounts will go live this year, it is important to understand the pros and cons… [Read More]

The Loan Dilemma


If you have wondered whether to allow participants to take loans from their retirement plans, you’re likely not alone. On the face of it, allowing loans is a good thing because it encourages younger employees to participate in the plan when otherwise they might be afraid to tie up their assets for 30 to 40… [Read More]

Can the American Retirement System Be Saved?


We all know the problem: most Americans are not saving enough for retirement. Gone are the days when a person worked for a company and retired with a generous pension. Also gone are the days when you could confidently rely on Social Security for a portion of your retirement income. Now it is up to each… [Read More]

Telemedicine: An Innovative Healthcare Trend


One of the best healthcare products I have seen lately is telemedicine. There are a number of stand-alone vendors offering this service and it is rapidly finding its way into bundled insurance company products. For years, insurers have been pushing out 24-hour nurse lines as a front line to channel care, and for years, these… [Read More]