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 * News
   
   
   
   Health care providers, beware: New 'ownership transparency' law coming in
   2024
   
   Vasilios J. Kalogredis
   
   The Corporate Transparency Act is expected to impact the majority of
   for-profit health care businesses and provider practices that have fewer than
   20 full-time employees and do not qualify for any other applicable exemption.

 * Research
   
   
   
   A way forward: Helping retirement savers when they get caught in a financial
   vortex
   
   Tom Gresham
   
   The retirement planning landscape needs to adopt a “more personal” approach
   to help people “navigate the unexpected,” like job losses, caregiving and
   other financial hardships, according to a new Goldman Sachs report.

 * News
   
   
   
   Surprise! Working adults are more optimistic today than in 2022
   
   Michael Popke
   
   Nearly half (47%) of all adults look forward to each day, compared to 43%
   last year.

   






 * Best Practices
   
   THE SYRUP – WORKING ON VERSUS IN YOUR BUSINESS
   
   Susan L Combs | November 01, 2023
   
   Our next topic is the age-old balance of working on your business versus
   working in your business, something I think many entrepreneurs and business
   owners struggle with.
   
   

 * News
   
   'PHARMAGEDDON': CVS, WALGREENS PHARMACISTS WALK OUT (AGAIN) OVER WORKING
   CONDITIONS
   
   Alan Goforth | November 01, 2023
   
   Following a nationwide pharmacy walkout a few weeks ago, thousands of
   pharmacy staff from CVS, Walgreens and Rite Aid are in the midst of a 3-day
   walkout that began on Monday to push the companies to add more staff.
   
   
   

 * Best Practices
   
   HELP EMPLOYEES IMPROVE MENTAL AND PHYSICAL WELLBEING, ONE BITE AT A TIME
   
   Brenda Navin | November 01, 2023
   
   What employees eat directly affects physical and mental health, energy
   levels, and the ability to handle job pressures, all of which influences work
   productivity, health care costs, and retention.
   
   

 * News
   
   THE GREAT GLOOM: EMPLOYEE SATISFACTION DROPS TO THREE-YEAR LOW
   
   Alan Goforth | November 01, 2023
   
   Despite a small slip from the second to third quarter and from 2022 to 2023,
   construction still reigns as the happiest industry.
   
   
   

 * Market Insights
   
   INCREASE IN EXECS VIEWING L&D AS A STRATEGIC BUSINESS FUNCTION
   
   Anson Jones | November 01, 2023
   
   52% of L&D and HR leaders say that employee engagement is the main cause for
   budget increases.
   
   

 * News
   
   BIDEN CRACKS DOWN ON 'JUNK FEES’ IN 401(K) PLANS WITH PROPOSED DOL FIDUCIARY
   RULE
   
   Alan Goforth | Oktober 31, 2023
   
   The Labor Department proposed new rules on Tuesday that would ensure
   financial advisors make recommendations “in the saver’s best interest” and
   not sell them lower-returning products in order to maximize their own fees.
   
   

 * Best Practices
   
   WELCOME BACK! 10 RETURN-TO-OFFICE INCENTIVES EMPLOYERS CAN PROVIDE AT LITTLE
   (OR NO) COST
   
   Bryce Sanders | Oktober 31, 2023
   
   Offering a range of employee benefits – from assigned parking and gym
   memberships to professional development – makes sense from the viewpoint of
   recruiting, retention and morale.
   
   

 * WHY COMBINING CORE AND VOLUNTARY BENEFITS IS A DIFFERENTIATOR
   
   Jasper Purvis | Oktober 31, 2023
   
   In this article, I lay out step-by-step how benefits brokers can get creative
   to design and implement the perfect benefits concoction.
   
   

 * Update
   
   MEDICARE ADVANTAGE PLANS KEEP GROWING (AND FOR SMALL HOSPITALS, THAT’S A BIG
   PROBLEM)
   
   Sarah Jane Tribble | Oktober 31, 2023
   
   Over half of Medicare enrollees are now enrolled in Medicare Advantage,
   however, the plans have become dubious payers for many large and small
   hospitals, which report the insurers are often slow to pay or don’t pay.
   
   

 * Update
   
   17 HEALTH CARE GROUPS URGE CONGRESS TO PASS VALUE-BASED CARE BILL, EXTEND 5%
   INCENTIVE
   
   Dan Cook | Oktober 31, 2023
   
   The American Medical Association and other health groups have sent a letter
   of support to lawmakers for passage of The Value in Health Care Act, which
   would offer incentives to help providers move into the new payment model.
   
   

 * News
   
   56% OF WORKERS KNOW SOMEONE WHO WILL QUIT DUE TO RTO MANDATES
   
   Lucy Peterson | Oktober 31, 2023
   
   Nearly two-thirds of U.S. workers are willing to take a pay cut in exchange
   for the option to work remotely.
   
   




TRENDING STORIES

 1. Ozempic and Wegovy: To cover or not to cover? That is the question

    

 2. 401(k) contribution limit projections for 2024: What plan sponsors may
    expect from the IRS

    

 3. 17 health care groups urge Congress to pass value-based care bill, extend 5%
    incentive

    

 4. Health insurance customer satisfaction hits record high, while Humana is
    industry leader

    

 5. Happiest workers: Alaska ranks first, Georgia last

    









INSTANT INSIGHTS / 2023 BENEFITSPRO BROKER EXPO




 * NEW TO THE BENEFITS INDUSTRY? HERE’S ADVICE FROM THE EXPERTS
   
   By Lester Morales |Mai 31, 2023
   
   At the 2023 Broker Expo in Atlanta, five BenefitsPRO Broker of Year share
   their advice and wisdom for those who are new to the benefits and broker
   industry.

   

 * WHAT ARE THE MOST EXCITING DEVELOPMENTS IN THE BROKER INDUSTRY NOW?

   

 * HOW TO LEVERAGE VOLUNTARY BENEFITS TO WIN THE TALENT WARS

   

 * HOW CAN BROKERS BEST ADDRESS THE CHALLENGES EMPLOYEES AND EMPLOYERS FACE?

   

 * HOW PET INSURANCE BECAME THE TOP VOLUNTARY BENEFIT FOR EMPLOYEES

   



Browse Instant Insights →    Read More Stories →

 * News
   
   FIRED FOR NOT RETURNING TO THE OFFICE? EMPLOYEE SUES EMPLOYER, ALLEGING ADA
   DISCRIMINATION
   
   Emily Cousins|October 30, 2023
   
   In a lawsuit, a disabled worker alleges Electric Boat Corp. did not provide
   reasonable accommodations for his disabilities and he was ultimately fired
   for non-compliance with the company's post-COVID return-to-office policy.
   
   

 * News
   
   IS THE NEW MULTI-CANCER EARLY DETECTION TEST WORTH THE $949 COST?
   
   Alan Goforth|October 30, 2023
   
   Doctors, researchers and patient advocates are cautiously optimistic about
   the liquid biopsy test that screens for more than 50 types of cancers,
   however, 62% of people who got positive results in a Lancet study didn't have
   cancer.
   
   

 * Best Practices
   
   OZEMPIC AND WEGOVY: TO COVER OR NOT TO COVER? THAT IS THE QUESTION
   
   Jay Kirschbaum|October 27, 2023
   
   All employer plans are free to cover expenses the employer determines should
   be covered, however, fully insured plans will generally be forced to cover
   treatments mandated by state laws, while self-funded plans have more leeway.
   
   

 * Market Insights
   
   ABORTION COVERAGE: EMPLOYER HEALTH PLANS HAVE CHANGED LITTLE SINCE DOBBS
   
   Rachana Pradhan|October 27, 2023
   
   Among companies that didn't cover abortion services or had limited coverage,
   3% reduced abortion coverage, and, of the large companies that generally
   covered abortion, only 12% expanded coverage, says a KFF survey.
   
   

 * News
   
   MEDICAL PROVIDERS, HOSPITALS CALL ON CONGRESS TO EXTEND 5% VALUE-BASED CARE
   INCENTIVE
   
   Michael Popke|October 27, 2023
   
   Incentives for alternative payment models, which Congress created in 2015 to
   help providers move into new payment models that encourage high quality,
   cost-effective care, will expire Dec. 31 unless lawmakers extend it.
   
   

 * News
   
   REPORT: PATIENT BILLING EXPERIENCE AFFECTS RELATIONSHIP WITH PROVIDER
   
   Michael Popke|October 27, 2023
   
   The preference for contactless payments has doubled within two years, with as
   many as 33% of patients preferring to use digital wallets, PayPal or Venmo.
   
   

 * Best Practices
   
   RECRUITING AND RETAINING: STRATEGIES FOR SUCCESS
   
   Chantal Raineri|October 27, 2023
   
   Recruiting and retaining top talent, specifically in commercial real estate,
   requires a forward-thinking approach that considers the changing expectations
   of employees in the post-pandemic world.
   
   

 * Research
   
   RETIREMENT SAVINGS? 1 IN 3 HOURLY WORKERS SAY THEY’RE ‘WINGING IT’
   
   Anson Jones|October 27, 2023
   
   Hourly workers – who are 56% of the workforce – are less confident they’ll
   have a comfortable retirement compared to salaried workers, while 25% of all
   workers say their employer doesn't offer a retirement plan, says a new
   survey.
   
   

 * Best Practices
   
   THE INFLUENCE OF ICHRA AND ITS IMPACT ON BROKERS, MANAGERS, AND ADVISORS
   
   Nima Olumi|October 27, 2023
   
   ICHRA fosters a new era of flexibility and customization, gradually
   transmuting the narrower channels of employer-provided health coverages.
   
   

 * Commentary
   
   HOW WILL AI IMPROVE PEOPLE-TEAM MANAGEMENT?
   
   Kimberly Hiler|October 27, 2023
   
   Powerful new AI capabilities will bring a burst of efficiency to core HR
   functions, especially when combined with a “people-first” approach to
   managing your business.
   
   
   Load More Stories

 * Infographic
   
   INFOGRAPHIC: RECORD-HIGH 401(K) PARTICIPATION RATES
   
   Lynn Cavanaugh|October 26, 2023
   
   Despite nagging inflation, 401(k) plans saw record-highs in participation,
   deferral rates and the use of professionally managed allocations in 2022,
   according to Vanguard.
   
   

 * Market Insights
   
   WHY DOES THE STUDENT DEBT OF THEIR WORKFORCE MATTER TO EMPLOYERS?
   
   Nick Maynard|October 26, 2023
   
   As the conversation around student debt continues, employers are an essential
   part of the response.
   
   

 * News
   
   MORE AMERICANS DOWNGRADING INSURANCE PLANS TO COPE WITH RISING COSTS
   
   Alan Goforth|October 26, 2023
   
   The survey found more than half of Americans could not pay off an unexpected
   $5,000 health care out-of-pocket expense.
   
   

 * Market Insights
   
   SMALL BUSINESSES ARE HIRING, BUT CAN THEY AFFORD TO KEEP NEW EMPLOYEES?
   
   Lucy Peterson|October 26, 2023
   
   Salaries of employees at small businesses have seen very little growth over
   the past year.
   
   

 * News
   
   EXPRESS SCRIPTS SUED BY 4 INDEPENDENT PHARMACIES, ALLEGING PRICE FIXING
   
   Michael Popke|October 26, 2023
   
   The lawsuit, which alleges that the pharmacy benefit manager colluded with
   Prime Therapeutics to charge higher fees, comes weeks after an independent
   pharmacy association launched an investigation into PBM fees.
   
   

 * News
   
   DOL’S NEW OVERTIME RULE MAY FACE LEGAL CHALLENGES: SHOULD EMPLOYERS WAIT AND
   SEE?
   
   Andrea M. Kirshenbaum and Tanner McCarron|October 26, 2023
   
   In August, the DOL proposed to raise the salary threshold to $55,000 (from
   $35,568), making more than 3 million workers newly eligible for overtime pay
   and prompting employers to begin considering the rule’s potential impact.
   
   

 * Best Practices
   
   THE 401(K) PLAN, REIMAGINED: KEY SECURE 2.0 CHANGES THAT TAKE EFFECT IN 2024
   
   Allison Brecher|October 26, 2023
   
   Aside from the wealth of provisions offering everything from tax credits to
   reduced administrative burdens, the new law will be critical in building
   savings for part-timers, nonprofit workers and those saddled with student
   debt.
   
   

 * News
   
   SHOULD DOCTORS GET A PAY CUT? HOUSE MEMBERS WRANGLE OVER MEDICARE PAYMENTS
   FOR 2024
   
   Alan Goforth|October 26, 2023
   
   Lawmakers took the first step last week to address longstanding issues with
   how much Medicare should pay doctors, as the Centers for Medicare & Medicaid
   Services proposed a 3.3% cut to Medicare payments for 2024.
   
   

 * CAREGIVING CRISIS PROMPTS SEARCH FOR LONG-TERM CARE SOLUTIONS
   
   Tim Weber|October 26, 2023
   
   When it comes to addressing employees’ caregiving needs, there’s a perfect
   storm brewing on the benefits horizon – and turbulence in the long-term…
   
   

 * Research
   
   SIDE HUSTLES: CAN THEY HELP AMERICANS REACH THEIR FINANCIAL GOALS?
   
   Anson Jones|October 25, 2023
   
   While 4 out of 5 working Americans say their financial situation is causing
   them anxiety, they want personal finance advice on side hustles, investing,
   budgeting and debt management to improve their situation, says a new survey.
   
   
   Load More Stories

 * Update
   
   COVID RELIEF PAYMENTS: THAT'S WHAT TRIGGERED THE SOCIAL SECURITY OVERPAYMENT
   CLAWBACKS
   
   David Hilzenrath and Jodie Fleischer|October 25, 2023
   
   The stimulus checks landed automatically in beneficiaries’ mailboxes or bank
   accounts in 2020 and 2021, but now, the SSA has been sending notices in an
   attempt to claw back $21.6 billion in "overpayments."
   
   

 * News
   
   AMERICA’S ‘PHARMACY DESERT’: COMING TO A TOWN NEAR YOU (AS 1,500 DRUGSTORES
   CLOSE)
   
   Alan Goforth|October 25, 2023
   
   Even before Rite Aid filed bankruptcy a few weeks ago, CVS and Walgreens had
   already announced store closures over the past two years, all of which will
   leave millions of consumers without easy access to their medications.
   
   

 * Best Practices
   
   CREATE A DYNAMIC COMPANY CULTURE
   
   Michael Malhame|October 25, 2023
   
   The culture of a company is the heart and soul of the organization, it is the
   backbone, the values, and the behaviors.
   
   

 * News
   
   VITAMIN RETAILER GNC ENTERS HEALTH MARKET WITH VIRTUAL URGENT, PRIMARY CARE
   
   Alan Goforth|October 25, 2023
   
   For a monthly fee, GNC Health is offering members low-cost virtual health
   care for urgent conditions, primary care appointments, mental health,
   physical therapy, and $0 prescription medications.
   
   

 * Best Practices
   
   SELF-FUNDING PLAN PREPARATION FOR 2024
   
   Kelly E. Dempsey|October 25, 2023
   
   It’s that time of year for employers to review their self-funded health plan
   documents.
   
   

 * Commentary
   
   HOW EMPLOYERS CAN GAIN CONTROL OF RISING HEALTH PLAN EXPENSES
   
   Matt Drakeley|October 25, 2023
   
   There is an opportunity for companies to self-fund their health insurance
   plan and support it with medical stop-loss coverage in a captive insurance
   company.
   
   

 * Event
   
   HR PROS SHARE THEIR INSIGHTS FROM THE 2023 HR TECHNOLOGY CONFERENCE
   
   Lily Peterson|October 25, 2023
   
   The HR pros shared mindful insights into financial wellness, personalized
   benefits communication, and the future of AI in the HR industry.
   
   

 * Best Practices
   
   SUPPORTING EMPLOYEES’ RETIREMENT JOURNEY: THE POWER OF THE HSA
   
   Kevin Robertson|October 24, 2023
   
   According to a Plan Sponsor Council of America (PSCA) survey, half said that
   they promote HSAs as part of a retirement savings strategy to employees.
   
   

 * Best Practices
   
   THE MOVEIT DATA BREACH: A WAKE-UP CALL FOR ALL RETIREMENT PLAN SPONSORS
   
   Richard Clarke|October 24, 2023
   
   The recent cyberattack that compromised data at more than 600 organizations
   worldwide highlights the need for plan sponsors to become cybersecurity
   specialists to protect employee data and assets (or lean on expert advice).
   
   

 * News
   
   PHARMA ‘PAY FOR DELAY’ DEAL COST MERCK, GLENMARK $70M IN CHOLESTEROL DRUG
   LAWSUIT
   
   Allison Dunn|October 24, 2023
   
   Several municipal employee benefit funds filed a lawsuit against the two
   drugmakers over allegations the companies colluded to delay the introduction
   of a less-expensive generic version of Merck's cholesterol drug Zetia.
   
   
   Load More Stories

 * Research
   
   CHRONIC CONDITIONS: THE TOP REASON FOR RISING HEALTH CARE COSTS IN THE U.S.
   
   Dan Cook|October 24, 2023
   
   When employers were asked about strategies for managing costs for 2024,
   utilization control initiatives, such as prior authorization, case
   management, disease management and nurse advice lines took center stage, says
   a new report.
   
   

 * Update
   
   WORKING PAST 65: HELPING MEDICARE-ELIGIBLE EMPLOYEES NAVIGATE HEALTH CARE
   COVERAGE
   
   Kristen Beckman|October 24, 2023
   
   Over half (54%) of employees approaching age 65 will likely seek guidance
   about Medicare from their employer, and one of the most common questions
   employers are likely to encounter from employees is: “When can I enroll?”
   
   

 * REVOLUTIONIZING COMPANY HEALTH CARE: THE POWER OF DIRECT PRIMARY CARE - WITH
   RYAN ROBBINS
   
   David Saltzman|October 24, 2023
   
   Tune in as we welcome Ryan Robbins, the dynamic co-founder of LO Benefits,
   who is here to discuss the transformative power of direct primary care (DPC)
   and its potential to significantly impact medical costs, improve employee
   experiences, and manage chronic conditions.
   
   

 * News
   
   NEW REPORT FINDS EMPLOYEE BURNOUT REACHED 57%
   
   Michael Popke|October 24, 2023
   
   New report indicates more than half of American workers are experiencing at
   least moderate burnout, often magnified by workplace stress.
   
   

 * News
   
   HEALTH SPENDING EXPECTED TO OUTPACE GROWTH IN THE OVERALL ECONOMY
   
   Joel Kranc|October 24, 2023
   
   Per person health spending is projected to rebound to an annual rate of 4.8%
   per capita from 2022 to 2031.
   
   

 * Analysis
   
   NO SURPRISES ACT: WHY BENEFIT PROS SHOULD RETHINK STRATEGIES
   
   Christine Cooper and Jack Towarnicky|October 24, 2023
   
   Given recent increased litigation and its impact on the regulatory
   environment, benefits consultants and plan sponsors should rethink their past
   decisions to simply comply with the No Surprises Act (NSA).
   
   

 * News
   
   EMPLOYERS ARE FINDING A MIDDLE GROUND BETWEEN REMOTE AND ONSITE WORK
   
   Scott Wooldridge|October 23, 2023
   
   As of this month, polling showed that 53% of remote capable workers expect
   their future work to be hybrid.
   
   

 * News
   
   MEDS IN MINUTES: AMAZON PHARMACY LAUNCHES DRONE DELIVERY OF PRESCRIPTION
   DRUGS
   
   Alan Goforth|October 23, 2023
   
   Joining Walgreens, CVS Health and Walmart, Amazon is the latest retail
   pharmacy to experiment with drone delivery of prescriptions, promising
   dropoff in 60 minutes or less to “narrow the golden window from diagnosis to
   treatment.”
   
   

 * Commentary
   
   IS SUZANNE SOMERS’ LEGACY TAINTED BY CELEBRITY MEDICAL MISINFORMATION?
   
   Liz Szabo|October 23, 2023
   
   The actress, who died from complications of breast cancer at 76, pioneered
   the role of celebrity wellness guru, but drew criticism when it was revealed
   she had skipped chemotherapy against the advice of her doctor.
   
   

 * News
   
   EMPLOYERS INTERESTED IN WEIGHT-LOSS SOLUTIONS AS NEW DRUGS BECOME AVAILABLE
   
   Alan Goforth|October 23, 2023
   
   About 6 in 10 employers are uncertain whether the popularity of these
   medications will lead to changes in their workplace wellbeing programs.
   
   
   Load More Stories

 * INSURANCE SUCKS - WITH ERIN ISSAC
   
   Eric Silverman|October 23, 2023
   
   This episode of the #RockstarsRocking podcast features my friend, Rockstar
   Erin Issac, President/CEO & Founder of Joy Benefits, out of the Dallas-Fort
   Worth, Texas area.
   
   

 * Research
   
   RECESSION? PROBABLY, BUT NOT YET: WHAT PLAN SPONSORS NEED TO ADD TO THEIR
   PORTFOLIOS NOW
   
   Kristen Beckman|October 23, 2023
   
   Investors may want to consider replacing a portion of their core bond
   portfolio with a fixed-income annuity or qualified default investment
   alternatives, like target date funds, balanced funds and managed accounts,
   says Nuveen.
   
   

 * Best Practices
   
   WHY WORK AND FAMILY BALANCE IS STILL AN ISSUE IN 2023
   
   Elizabeth Weingarten|October 23, 2023
   
   There are challenges balancing work with family, but we can only make real
   progress if we acknowledge the role of systems.
   
   

 * Analysis
   
   ACA COMPLIANCE: 4 COMMON VIOLATIONS AND 3 STRATEGIES TO AVOID THEM
   
   Kelli Smith|October 23, 2023
   
   You can avoid the most common pitfalls of ACA noncompliance if you understand
   the most common types of violations and then implement three strategies to
   prevent falling victim to them.
   
   

 * Best Practices
   
   WHY OFFERING PET INSURANCE TO EMPLOYEES IS GAINING PROMINENCE
   
   Trey Ferro|October 23, 2023
   
   Pet insurance can serve as a distinguishing feature that sets an employer
   apart from the competition.
   
   

 * Best Practices
   
   THE 3 TOP 401(K) FIDUCIARY LIABILITY MISTAKES (AND HOW TO AVOID THEM)
   
   Todd Klaben & Kevin Testo|October 20, 2023
   
   Litigation is on the rise around employer retirement plans, so an
   understanding of the most common mistakes made by others is a great way to
   avoid losses for both your employees and your organization.
   
   

 * News
   
   MEDICARE ADVANTAGE BROKERS (AND DECEPTIVE PITCHES) SCRUTINIZED AT SENATE
   HEARING
   
   Alan Goforth|October 20, 2023
   
   At a Senate hearing on Wednesday, lawmakers called for additional oversight
   over private companies offering Medicare Advantage, in response to misleading
   and predatory advertising targeting seniors during open enrollment.
   
   

 * CommentaryQuick Takes
   
   IT'S GO TIME: WHAT'S ON YOUR RADAR FOR Q4?
   
   Paul Wilson|October 20, 2023
   
   We asked our readers what the biggest hot button issues are that are on their
   radar this year as we prepare for Q4 craziness?
   
   

 * Update
   
   TWITTER’S $500M ERISA LAWSUIT CONTINUES, AS EMPLOYEES SEEK DENIED SEVERANCE
   BENEFITS
   
   Alan Goforth|October 20, 2023
   
   Last week, an earlier lawsuit was amended to include another former employee
   and more details over claims that Twitter (now known as X) denied severance
   benefits promised to employees, in violation of ERISA.
   
   

 * Commentary
   
   COMMON BENEFITS MYTHS BELIE THE VALUE OF A HUMAN-CENTRIC STRATEGY
   
   Jessaca Latteier|October 20, 2023
   
   Benchmarks are fine for developing an employee benefits strategy. But they
   shouldn’t be the ultimate arbiter. It’s the human-centric approach that makes
   them effective.
   
   
   Load More Stories

 * Slideshow
   
   WHICH INDUSTRIES HAVE SEEN THE HIGHEST WAGE GROWTH IN THE LAST YEAR?
   
   Richard Binder|October 20, 2023
   
   The latest report from ADP shows that pay growth, while slowing, is still
   happening in most sectors.
   
   

 * News
   
   EMAIL USERS VULNERABLE TO PHISHING WHEN MESSAGE ‘COMES FROM’ TRUSTED SOURCE
   
   Alan Goforth|October 20, 2023
   
   Phishing emails continue to be one of the most common methods to effectively
   perpetuate malicious attacks on organizations around the globe.
   
   

 * News
   
   SANDERS FOCUSES ON DRUG PRICES, AS NIH NOMINEE TESTIFIES AT CONFIRMATION
   HEARING
   
   Colleen DeGuzman|October 20, 2023
   
   The Senate Health, Education, Labor and Pensions Committee finally held a
   hearing on Wednesday on President Joe Biden’s pick – surgical oncologist
   Monica Bertagnolli – to lead the National Institutes of Health.
   
   

 * WHAT’S THE GOOD NEWS, LADIES?  OCTOBER EDITION 
   
   Susan L. Combs|October 20, 2023
   
   Our next two ladies have experienced firsthand how important it is to support
   your mental and physical health from their work as well as their own personal
   experiences and I think it’s a great time to remind you all that if you do
   not take the time to fill your cup, you won’t have anything to give to anyone
   else.
   
   

 * Best Practices
   
   ARE EMPLOYERS OVERSPENDING ON HEALTH INSURANCE?
   
   Bob Gaydos|October 19, 2023
   
   You're buying a product that loses value with each passing year, and that's
   where you're putting all your money? It doesn’t make sense.
   
   

 * Best Practices
   
   HOW HR CAN SUPPORT EMPLOYEES DURING OPEN ENROLLMENT
   
   Kim Buckey|October 19, 2023
   
   One-on-one benefits conversations also allow employees to ask specific
   questions that they may not get answered when referencing online materials or
   asking friends, family, and coworkers.
   
   

 * News
   
   POST-ACUTE CARE ADDS TO THE MEDICARE FINANCIAL BURDEN
   
   Alan Goforth|October 19, 2023
   
   Managing the overall care of post-acute users in traditional Medicare offers
   substantial opportunities for savings and quality improvement.
   
   

 * News
   
   EMPLOYERS AREN’T DOING ENOUGH TO RESOLVE POLITICAL TENSION WITHIN THE
   WORKPLACE
   
   Lucy Peterson|October 19, 2023
   
   45% of employees believe their political opinions could hurt their chances at
   a promotion or change their manager’s opinion of them.
   
   

 * News
   
   ATRIUM HEALTH, A LEADING MEDICAL DEBT COLLECTOR, HAS (QUIETLY) STOPPED SUING
   PATIENTS
   
   Joel Kranc|October 19, 2023
   
   This policy change, which was not publicly announced, aligns with the health
   system’s merger with Advocate Aurora Health, forming the nation’s fifth
   largest non-profit health care system.
   
   

 * Best Practices
   
   THE (SPECIALTY) DRUG DISCOUNT ADVANTAGE FOR SELF-FUNDED EMPLOYERS
   
   Eric Bricker, MD|October 19, 2023
   
   Making the move from being fully insured to a self-funded plan allows
   employers to leverage pharmacy benefit managers to help employees buy their
   medications at significantly reduced prices.
   
   
   Load More Stories

 * Research
   
   ONE DIP INTO A 401(K) PLAN OFTEN LEADS TO ANOTHER: CLAMPING DOWN ON REPEAT
   BORROWING
   
   Joel Kranc|October 19, 2023
   
   The repeated use of small loans by participants to cover immediate expenses
   is draining retirement funds, however, implementing an emergency savings
   program is one way employers can help address this issue, says a new report.
   
   

 * News
   
   SOCIAL SECURITY CHIEF VOWS 'TOP-TO-BOTTOM' REVIEW OF $21.6B IN PAYMENT
   CLAWBACKS
   
   David Hilzenrath and Jodie Fleischer|October 19, 2023
   
   Acting commissioner Kilolo Kijakazi testified at a congressional hearing on
   Wednesday at which House members faulted SSA for issuing billions of dollars
   of overpayments, then demanding that beneficiaries pay the funds back.
   
   

 * News
   
   ‘IT’S PAYBACK TIME!’ COMMUNITY PHARMACIES UNITE TO FIGHT PBMS OVER ‘JUNK’
   FEES
   
   Alan Goforth|October 18, 2023
   
   The National Community Pharmacists Association, which represents 19,400
   independent pharmacies, has formed Trust LLC to investigate the use of direct
   and indirect remuneration fees they are being charged by PBMs.
   
   

 * News
   
   WORK FROM HOME RATES DROP THE LOWEST SINCE THE PANDEMIC
   
   Zachary Fleming, Redd Brown, and Ignacio Gonzalez|October 18, 2023
   
   Fewer than 26% of US households still have someone working remotely at least
   one day a week.
   
   

 * Research
   
   EMPLOYER HEALTH INSURANCE PREMIUMS SPIKED IN 2023: $24,000 FOR FAMILY
   COVERAGE
   
   Cailley LaPara|October 18, 2023
   
   The average employer-sponsored health insurance premium for US families rose
   7% this year – the biggest jump reported since 2011, according to the annual
   KFF survey of more than 2,000 companies.
   
   

 * Best Practices
   
   WELLNESS WASHING: HOW TO AVOID IT
   
   Mia Barnes|October 18, 2023
   
   It is estimated that 12 billion days of work are lost each year due to poor
   mental health, costing the global economy $1 trillion annually.
   
   

 * News
   
   DO THE BENEFITS OF AI-BASED TECHNOLOGIES OUTWEIGH THE RISK FOR EMPLOYERS?
   
   Lucy Peterson|October 18, 2023
   
   Nearly one-quarter of survey respondents said their organization does not
   assess the risk of AI-driven HR tools at all.
   
   

 * Market Insights
   
   CONSUMERS CITE AFFORDABILITY AS BIGGEST ISSUE WHEN PAYING HEALTH CARE BILLS
   
   Alan Goforth|October 18, 2023
   
   58% of people find paying a health care bill to be stressful.
   
   

 * Research
   
   HOW HSAS CAN BRIDGE THE HEALTH & WEALTH GAP: START EDUCATING EMPLOYEES NOW
   
   Scott Wooldridge|October 18, 2023
   
   Roughly half of U.S. workers have a good grasp on the attributes of HSAs: 61%
   say it’s a way to save for future health care expenses, but only 25% said
   it’s a way to invest money for health care expenses in retirement, says a new
   study.
   
   

 * Best Practices
   
   IS EMPLOYEE EDUCATION WORTH THE INVESTMENT?
   
   Carie Crane|October 18, 2023
   
   As the industry changes, roles change — often faster than job descriptions
   can be updated. New hires who do not receive the training necessary to
   understand how their role fits into the bigger company picture can contribute
   to higher turnover rates.
   
   
   Load More Stories

 * Best Practices
   
   HOW CAN LEADERS SUPPORT EMPLOYEE WELLNESS THROUGH LIFESTYLE BENEFITS?
   
   Fanny Pihl|October 17, 2023
   
   Leaders can support by example, and ensure that lifestyle benefits are
   integrated in the accepted behaviors of their workplace culture.
   
   

 * Best Practices
   
   WHAT IS THE RIGHT EAP FOR THE 21ST CENTURY?
   
   Sandra Kuhn|October 17, 2023
   
   Giving employers and their members the tools to see what’s working is the
   key.
   
   

 * Research
   
   RECORD-HIGH 401(K) PLAN PARTICIPATION, THANKS TO AUTO-ENROLLMENT
   
   Tom Gresham|October 17, 2023
   
   Automatic enrollment and automatic annual increases have driven participation
   rates in 401(k) plans held by Vanguard to an all-time high with record plan
   participation of 83% in 2022, according to a new report.
   
   

 * Market Insights
   
   EMPLOYEES SEEK PEOPLE-CENTRIC WORKPLACES AS CULTURAL SHIFT CONTINUES, SURVEY
   FINDS
   
   Alan Goforth|October 17, 2023
   
   Odds of burnout increase fivefold when employees are dissatisfied with the
   level of flexibility at work.
   
   

 * Market Insights
   
   STRESS ALERT! MAJORITY OF WORKERS WORRY ABOUT HOUSEHOLD FINANCES AND DEBT
   
   Michael Popke|October 17, 2023
   
   79% indicated their employer has a responsibility to make sure employees are
   mentally healthy and emotionally well.
   
   

 * Update
   
   PRIMARY CARE DOCTORS: THE ‘QUARTERBACKS’ IN A VALUE-BASED CARE PLAYBOOK
   
   Alan Goforth|October 17, 2023
   
   When doctors encourage informed referrals to specialists who can demonstrate
   lower costs and better outcomes, this can have a significant impact on VBC
   program costs, sometimes resulting in millions of dollars of annual savings.
   
   

 * News
   
   MEDICARE OPEN ENROLLMENT IS HERE: KEY DRUG COVERAGE CHANGES IN 2024
   
   Julie Appleby|October 17, 2023
   
   Those 65 and older joining Medicare for the first time can buy a
   supplemental, or “Medigap,” policy, which covers many out-of-pocket costs,
   such as deductibles and copays, which can be substantial.
   
   

 * News
   
   A BRAND NEW (GRAND SCALE) BIDEN STUDENT LOAN FORGIVENESS PLAN IS IN THE WORKS
   
   Alan Goforth|October 17, 2023
   
   In a process known as negotiated rulemaking, 14 people chosen by the Biden
   administration will be meeting for a series of hearings to guide the
   Education Department toward a proposal on student loan relief.
   
   

 * Market Insights
   
   SKILLS, NOT EDUCATION, ARE WHAT EMPLOYERS LOOK FOR, RESEARCH FINDS
   
   Alan Goforth|October 16, 2023
   
   Nearly 90% of analyzed job ads do not state any degree requirements, while
   only 9.5% make any mention applicants needing to have a degree.
   
   

 * Market Insights
   
   HAPPIEST WORKERS: ALASKA RANKS FIRST, GEORGIA LAST
   
   Scott Wooldridge|October 16, 2023
   
   According to officials with SelectSoftware, the findings reflect that there
   can be significant differences among states in employee happiness.
   
   
   Load More Stories

 * UNLOCKING THE POWER OF AUTHENTICITY AND SERVANT LEADERSHIP IN BUSINESS - WITH
   ANDRE DAVIS
   
   David Saltzman|October 16, 2023
   
   What if we told you that the key is not hidden within complex strategies but
   lies in simplicity, authenticity, and selflessness? This awe-inspiring
   conversation with Andre Davis, a respected communication specialist and
   public speaker, brings that theory to life.
   
   

 * Best Practices
   
   THE POWER OF AUTO-ENROLL (& AUTO-SWEEP): WHAT MOVES THE NEEDLE IN RETIREMENT
   SAVINGS
   
   Teresa Hassara|October 16, 2023
   
   Automatic enrollment helped 81% of plan participants start saving sooner for
   retirement and, significantly, 94% of participants stay in the plan once they
   have been automatically enrolled, according to a Principal survey.
   
   

 * Update
   
   THE NEW NORMAL? WATCH FOR A SURGE OF COVID, FLU AND RSV INFECTIONS EVERY FALL
   UNLESS ...
   
   Amy Maxmen|October 16, 2023
   
   Last year’s “triple-demic” marked the beginning of a confluence of
   respiratory infections that began to fill hospitals, which is why Biden has
   awarded companies $1 billion to develop COVID vaccines that provide longer
   protection.
   
   

 * Best Practices
   
   ENTRY-LEVEL EMPLOYEES OR PRE-RETIREES? THE RIGHT HSA MESSAGING IS KEY
   
   Sara Taylor|October 16, 2023
   
   Open enrollment is a great opportunity to help employees understand the full
   potential of health savings accounts, but the communications should be quite
   different for those new to the workforce than for those nearing retirement.
   
   

 * Q&A
   
   A WORK OF THE HEART: A Q&A WITH LUKE DAVIS
   
   Paul Wilson|October 16, 2023
   
   Luke Davis believes that the key to this industry is to refuse to settle for
   the status quo.
   
   

 * News
   
   RITE AID FILES FOR BANKRUPTCY, FACING $3.3B IN DEBT AND OPIOID LAWSUITS
   
   Hugo Guzman|October 16, 2023
   
   On Sunday, the pharmacy chain announced that it has filed for bankruptcy and
   obtained $3.45 billion in fresh financing as it carries out a restructuring
   plan while coping with falling sales and opioid-related lawsuits.
   
   

 * Commentary
   
   VIRTUAL OR IN-PERSON: WHERE DO WE GO FROM HERE?
   
   Danielle M. Parks and Samantha Day Weigand|October 15, 2023
   
   The majority of workers’ compensation hearings and depositions are still
   being conducted virtually. This has posed the question of whether the
   practice of workers’ compensation will ever return to how it was
   pre-pandemic.
   
   

 * News
   
   EMPLOYEES AND HR AGREE: AI INCREASES PRODUCTIVITY
   
   Lucy Peterson|October 13, 2023
   
   Three out of four employees use artificial intelligence tools at least once a
   week in their work.
   
   

 * News
   
   ‘EMPLOYERS SHOULD TAKE HEED’: EEOC LAWSUITS WILL BE ON THE UPSWING IN 2024
   
   Greg Andrews|October 13, 2023
   
   Since the EEOC has landed a budget $26 million increase, employment
   attorneys’ advice to their clients is simple: Be on your best behavior and
   let the fair treatment of workers, free of discrimination, prevail.
   
   

 * News
   
   CITIBANK CAN OFFER 401(K) PLAN SPONSORS A ROADMAP TO HELP CLOSE THE ‘RACIAL
   WEALTH GAP’
   
   Scott Wooldridge|October 13, 2023
   
   Citibank's Diverse Asset Manager Program has received approval from the DOL
   to offer guidance to other firms if they wish to pursue DEI initiatives while
   working with service providers in ERISA-compliant retirement plans.
   
   
   Load More Stories

 * News
   
   NEW CMS SEPSIS RULE UPS THE ANTE FOR HOSPITALS, LINKING PAYMENTS TO
   PREVENTION
   
   Julie Appleby|October 13, 2023
   
   In an attempt by the Biden administration to help reduce sepsis-caused
   deaths, a specific treatment regimen must be followed for all patients with
   suspected sepsis, otherwise hospitals could lose funding.
   
   

 * News
   
   MANY COMPANIES FAR FROM READY FOR FAST-APPROACHING SEC CYBERSECURITY DEADLINE
   
   Chris O'Malley|October 13, 2023
   
   Companies will have to report cyber incidents within four days of determining
   they're material, a tight timeframe that requires cooperation from
   third-party service providers that most firms have not yet secured.
   
   

 * News
   
   NONPROFIT HOSPITALS FACING SEN. SANDERS SCRUTINY: WHERE’S THE CHARITY CARE?
   
   Alan Goforth|October 13, 2023
   
   This week, Sen. Bernie Sanders released a report calling on Congress and the
   IRS to strengthen oversight of these hospitals’ tax-exempt status, however,
   the American Hospital Association said report is “off base.”
   
   

 * Infographic
   
   DIFFERENT STROKES FOR DIFFERENT FOLKS
   
   Nick Rockwell|October 13, 2023
   
   But understanding the preferences of your target industries can help you be
   ready to better meet their needs this enrollment season.
   
   

 * Commentary
   
   GET THE MOST OUT OF YOUR WELLBEING SOLUTION
   
   Stefan Underwood|October 13, 2023
   
   The path to wellbeing benefits that work is to provide both leaders and
   individual employees with personal and professional development.
   
   

 * News
   
   RETIREES JUST GOT A (SMALL) RAISE: SOCIAL SECURITY ANNOUNCES A 3.2% COLA
   
   Alan Goforth|October 12, 2023
   
   Starting in January, the average monthly Social Security check for retired
   workers will go up $59 – a much smaller cost-of-living adjustment than last
   year’s record 8.7% hike, reflecting a slowdown in inflation.
   
   

 * News
   
   LOCATION, LOCATION, LOCATION: HOSPITAL MARKUPS ON BIOLOGIC MEDS ‘DOUBLE’ THE
   COSTS
   
   Joel Kranc|October 12, 2023
   
   Hospitals are marking up the prices for biologic medicines more than
   physician offices, particularly for “innovator biologics” that have
   clinically equivalent (and lower cost alternatives) on the market, says a new
   report.
   
   

 * Update
   
   EMPLOYEE RETENTION CREDIT UPDATE: WHY IS IRS PUTTING A PAUSE ON PROCESSING
   NEW CLAIMS?
   
   Robert Bloink and William H. Byrnes|October 12, 2023
   
   Because of aggressive marketing by firms encouraging small businesses to
   claim the pandemic-era tax break, the feds are worried about fraud, however,
   tax experts disagree on whether or not the 180-day extension is necessary.
   
   

 * Best Practices
   
   HSA VS FSA: HELP EMPLOYEES FIND THE BEST FIT DURING OPEN ENROLLMENT
   
   Itamar Romanini and Rachel Rouleau|October 12, 2023
   
   By tailoring your communications and education during open enrollment, you
   can help employees choose the benefits that will best meet their needs
   throughout the coming year.
   
   

 * News
   
   REPORT FINDS LARGE GAP BETWEEN HR AND EMPLOYEES
   
   Joel Kranc|October 12, 2023
   
   HR estimates that over half their workforce is completely engaged at work,
   when it is really less than a third.
   
   
   Load More Stories



RESOURCE CENTER

Cheat Sheet

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Benefits by the Numbers: How Metrics Can Reshape Health Benefit Offerings

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White Paper

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The Truth About APIs & EDIs in Workplace Benefits

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Report

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Help Your Clients Create a Healthier Work Environment: The Battle Against
Workplace Stress

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Report

Sponsored by Calm Business



The Battle Against Workplace Stress: How Smart Organizations Are Creating
Healthier Environments

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White Paper

Sponsored by Zelis



Transparency Is Changing the Broker and Benefits Industry

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White Paper

Sponsored by ful.



Hit Refresh on Your Clients' Health Benefits

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Guide

Sponsored by Color Health



Early Cancer Detection Starts in Everyday Places

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On-Demand Webinar

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Webinar: Reducing Costs and Improving Cancer Outcomes

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White Paper

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Cognitive Behavioral Therapy (CBT) in the Smartphone Age

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Infographic

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Reducing Cancer at All Costs: Why Prevention and Screening Should Top Benefits
Leaders' Agenda in 2024

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Infographic

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Why Cancer Prevention Should Be a Top Priority for Your Employer Clients

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Guide

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Solving Benefit & Business Struggles

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Guide

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Overcoming Rising Healthcare Costs: Insights from Recent Research

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Checklist

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What Type of Employer Should Brokers and Consultants Be Introducing to TPAs?

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Infographic

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4 Business Problems Solved With Health Benefits

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Case Study

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Case Study: How a Global Leader in Nonprofit Fundraising Achieved $2M in Savings
After Implementing a Self-Funded Plan

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Case Study

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Client Tool: How Huffines Auto Dealerships Make the Most of an RBP Solution

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Report

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Recession-Proof Your Benefits: A Blueprint for Workplace Mental Health Benefits

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Report

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Help Your Clients Recession-Proof Their Workplace Mental Health Benefits

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As the U.S. Healthcare Industry Rapidly Evolves, So Should Our Approach to
Benefits

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Employee Wellness Obstacles You Might Be Facing, And How You Can Solve Them

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This Secret Top Cost Driver Is Hiding in Your Clients' Claims Data

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This Secret Top Cost Driver Is Hiding in Your Claims Data

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How Data and Cost Analysis Are Driving Healthcare Success

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Guide

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Exploring the Gut-Brain Connection: Learn How the Gut Is Closely Linked to Other
Health Conditions

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Guide

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Broker Tool: Help Clients Understand How the Gut Is Closely Linked to Other
Health Conditions

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Coverage Gaps with Jack and Jill

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Case Study: How a Colorado School District Gained More Than $165,000 in
First-Year Premium Savings While Enhancing Health Benefits for Staff

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Guide

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Executive Guide: Responsibilities, Timelines, and Checklists Designed to Help
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7 Trends That Will Impact Employer Healthcare Decisions in 2023

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Benefits By The Numbers

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The Fundamentals of Self-funded Insurance

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Restaurant Chain Rolls Out New Health Plan to 87 Locations, 650+ Employees:
Saves $1M+ in Year 1... and Improves Employee Retention

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By the Numbers: The Unintended Consequences Of HDHPs

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Supplemental Simplified: A Quick Reference Guide

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RESOURCES

BENEFITS BY THE NUMBERS: HOW METRICS CAN RESHAPE HEALTH BENEFIT OFFERINGS

From ArmadaCare

Looking to transform benefits and enhance your client’s workforce? Dive into
data-backed insights to discover why employers are choosing this benefit to
support their top talent in 2024 and beyond.

Download Resource ›



THE TRUTH ABOUT APIS & EDIS IN WORKPLACE BENEFITS

From Wellfleet Workplace

In a fiercely competitive job market, offering an exceptional benefits
experience is key to retaining top clients and for them to retain top talent.
Download this white paper to discover the transformative power of APIs, ensuring
your clients stay ahead in the race for the best employees with seamless, swift
and personalized benefits administration.

Download Resource ›



HELP YOUR CLIENTS CREATE A HEALTHIER WORK ENVIRONMENT: THE BATTLE AGAINST
WORKPLACE STRESS

From Calm Business

Because mental health is the foundation of a workforce’s ability to be engaged,
productive, and creative, forward-thinking organizations aren’t just making
mental health a priority--they’re reinventing the way work gets done to support
mental health. This report outlines an innovative strategy to tackle workplace
stress -- download it today to share with your clients.

Download Resource ›



THE BATTLE AGAINST WORKPLACE STRESS: HOW SMART ORGANIZATIONS ARE CREATING
HEALTHIER ENVIRONMENTS

From Calm Business

In this report, you’ll learn more about how smart organizations are combating
the workplace stress epidemic by rethinking how work gets done to enhance
employee well-being and productivity.

Download Resource ›



TRANSPARENCY IS CHANGING THE BROKER AND BENEFITS INDUSTRY

From Zelis

As healthcare costs continue to rise, the imperative of price transparency is
becoming increasingly evident for brokers, employers, and employees alike. The
introduction of new mandates, alongside the utilization of emerging technology,
is expected to tackle the issue of healthcare price variation and enhance
transparency, ultimately benefiting all stakeholders involved. Download this
white paper to discover what brokers need to know and how they can prepare.

Download Resource ›



HIT REFRESH ON YOUR CLIENTS' HEALTH BENEFITS

From ful.

Employer healthcare costs increased by 6.5% in 2023 to $13,800 per employee. In
2024, that increase is projected to be as high as 8.5%. How can we provide
employers with valuable benefits at a lower cost? Download this white paper to
find out.

Download Resource ›



EARLY CANCER DETECTION STARTS IN EVERYDAY PLACES

From Color Health

One in two men and one in three women will be diagnosed with cancer at some
point in their lives. Cancer is the number one cost for employers and the
leading cause of death for working adults. Ensuring your organization has a
sound cancer screening program is critical to your bottom line. Download this
guide to learn about a solution that will help you cut cancer costs and improve
outcomes.

Download Resource ›



WEBINAR: REDUCING COSTS AND IMPROVING CANCER OUTCOMES

From Color Health

Watch this on-demand webinar to learn how a cancer prevention and screening
program in partnership with the American Cancer Society can help your clients
move detection of cancer from Stage IV to Stage I to reduce cancer-related spend
and extend population survival.

Download Resource ›



COGNITIVE BEHAVIORAL THERAPY (CBT) IN THE SMARTPHONE AGE

From Big Health

There are thousands of mental-health-focused apps available for smartphones.
Despite the wide range of options, not all apps are created equal. Identifying a
cost-effective solution that will deliver lasting improvements in mental health
conditions can quickly become complicated. So how can you identify truly
effective solutions, particularly when selecting apps for your organization?

Download Resource ›



REDUCING CANCER AT ALL COSTS: WHY PREVENTION AND SCREENING SHOULD TOP BENEFITS
LEADERS' AGENDA IN 2024

From Color Health

Access this infographic to see five key reasons why cancer prevention and
screening should be on your agenda and recommended actions you can take as a
benefits leader to tackle the cost of cancer early on.

Download Resource ›



WHY CANCER PREVENTION SHOULD BE A TOP PRIORITY FOR YOUR EMPLOYER CLIENTS

From Color Health

Access this infographic to see five key reasons why cancer prevention and
screening should be on your clients’ 2024 agenda and recommended actions you can
take to help them tackle the cost of cancer early on.

Download Resource ›



SOLVING BENEFIT & BUSINESS STRUGGLES

From ArmadaCare

Employee benefits can be difficult to manage--it’s certainly hard to keep
everyone happy with changes to the primary plans. So, how do you respond? Access
this handy interactive problem-solution guide to find out!

Download Resource ›



OVERCOMING RISING HEALTHCARE COSTS: INSIGHTS FROM RECENT RESEARCH

From HealthComp

This report’s key findings provide valuable insights for clients considering or
implementing programs aimed at cost reduction, while also wanting to ensure that
employees have access to high-quality care.

Download Resource ›



WHAT TYPE OF EMPLOYER SHOULD BROKERS AND CONSULTANTS BE INTRODUCING TO TPAS?

From HealthComp

This checklist will help you determine which of your clients will benefit most
from a TPA and acts as a helpful resource for them to ensure a successful
transition from a fully funded model to a self-funded plan.

Download Resource ›



4 BUSINESS PROBLEMS SOLVED WITH HEALTH BENEFITS

From ArmadaCare

Amidst the evolving HR landscape, benefits brokers face challenges that require
creative solutions. Explore how one innovative health benefit can solve key
business problems, strengthen client relationships and position you as a valued
advisor.

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CASE STUDY: HOW A GLOBAL LEADER IN NONPROFIT FUNDRAISING ACHIEVED $2M IN SAVINGS
AFTER IMPLEMENTING A SELF-FUNDED PLAN

From Imagine360

Many of your clients are seeing significant jumps in the cost of healthcare, and
are beginning to explore alternatives. Download this case study and use it as a
client tool to demonstrate how they can take advantage of the cost savings from
an RBP solution.

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CLIENT TOOL: HOW HUFFINES AUTO DEALERSHIPS MAKE THE MOST OF AN RBP SOLUTION

From Imagine360

More and more employers are seeking to take advantage of the cost savings from a
reference-based pricing (RBP) solution. This case study outlines how Huffines
Auto Dealerships gained control over their healthcare spending -- reducing costs
while offering even better benefits.

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RECESSION-PROOF YOUR BENEFITS: A BLUEPRINT FOR WORKPLACE MENTAL HEALTH BENEFITS

From Calm Business

How is the current economic climate impacting mental health benefits? This
report highlights how employers are maximizing their mental health benefits in
the current economy, and shares a blueprint of how the most successful companies
are supporting mental health in the workplace.

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HELP YOUR CLIENTS RECESSION-PROOF THEIR WORKPLACE MENTAL HEALTH BENEFITS

From Calm Business

Mental health concerns have reached an all-time high and companies are
struggling to balance their benefits offerings with current economic challenges.
This report outlines findings from a recent survey of 411 benefits managers and
leaders to uncover how the current economy is impacting mental health benefits,
and best practices and programs being offered by leading organizations.

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AS THE U.S. HEALTHCARE INDUSTRY RAPIDLY EVOLVES, SO SHOULD OUR APPROACH TO
BENEFITS

From ful.

As the cost of health coverage continues to rise year over year, with health
plans becoming more complex and offering less, the state of the U.S. healthcare
system is enough to make anyone sick.

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EMPLOYEE WELLNESS OBSTACLES YOU MIGHT BE FACING, AND HOW YOU CAN SOLVE THEM

From Healthee

Employee wellness has never been more critical. But an increased focus and
investment in this area can also raise new challenges you face for the first
time. This white paper reveals how you can create a more seamless, affordable
and personalized wellness experience for your employees, without adding more
work to your team’s plate.

Download Resource ›



THIS SECRET TOP COST DRIVER IS HIDING IN YOUR CLIENTS' CLAIMS DATA

From Vivante Health

Download this whitepaper to show clients how adding a comprehensive digestive
health solution to their benefits packages can help their employees manage their
digestive diseases, improve their overall mental and physical health, and reduce
employer costs related to low productivity, absenteeism, and healthcare
expenses.

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THIS SECRET TOP COST DRIVER IS HIDING IN YOUR CLAIMS DATA

From Vivante Health

Download this whitepaper to learn how to help employees manage their digestive
diseases, improve their overall mental and physical health, and reduce employer
costs related to low productivity, absenteeism, and healthcare expenses.

Download Resource ›



HOW DATA AND COST ANALYSIS ARE DRIVING HEALTHCARE SUCCESS

From Zelis

With U.S. healthcare costs topping $4.3 trillion, employers are looking for
brokers who can offer data-driven and cost-effective solutions to assist their
employees. Download this white paper and learn how cost analysis and health plan
data are identifying workforce health patterns, informing decision-making, and
helping reduce healthcare spending.

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EXPLORING THE GUT-BRAIN CONNECTION: LEARN HOW THE GUT IS CLOSELY LINKED TO OTHER
HEALTH CONDITIONS

From Vivante Health

Poorly managed gut health can affect employee productivity, happiness and,
ultimately, company costs--especially when it comes to healthcare. Download this
guide and learn how to avoid the costly consequences of ignoring employee gut
health by understanding the full scope of how gut health and digestive diseases
can impact many aspects of one’s health and, in turn, the workplace.

Download Resource ›



BROKER TOOL: HELP CLIENTS UNDERSTAND HOW THE GUT IS CLOSELY LINKED TO OTHER
HEALTH CONDITIONS

From Vivante Health

Poorly managed gut health can affect employee productivity, happiness and,
ultimately, company costs--especially when it comes to healthcare. Download this
guide and use it as a tool to share with your clients how they can avoid the
costly consequences of ignoring employee gut health by understanding the full
scope of how gut health and digestive diseases can impact many aspects of one’s
health and, in turn, the workplace.

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COVERAGE GAPS WITH JACK AND JILL

From ArmadaCare

Gap plans that cover everyday health expenses

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CASE STUDY: HOW A COLORADO SCHOOL DISTRICT GAINED MORE THAN $165,000 IN
FIRST-YEAR PREMIUM SAVINGS WHILE ENHANCING HEALTH BENEFITS FOR STAFF

From Nonstop Administration and Insurance Services, Inc.

Learn more about a type of Section-105 Medical Expense Reimbursement Plan (MERP)
for organizations of 50 or more employees in this case study. As a broker, you
can bring a solution to the table that’s unique, that creates financial
stability for organizations, and contributes to substantial health care access
for employees--a win for you, your clients, and their employees.

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EXECUTIVE GUIDE: RESPONSIBILITIES, TIMELINES, AND CHECKLISTS DESIGNED TO HELP
STRATEGICALLY NAVIGATE HEALTH INSURANCE PURCHASING AND RENEWALS

From Nonstop Administration & Insurance Services, Inc.

This guide provides conscious employers step-by-step strategies and timelines to
systematically approach health benefits plan purchasing in order to decide upon
a plan that can save money and improve health benefits for both your
organization and employees.

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INFOGRAPHIC: SAY GOODBYE TO OUT-OF-POCKET HEALTHCARE EXPENSES

From ArmadaCare

Out-of-pocket healthcare costs are steadily increasing, and clients are beyond
frustrated. Download this infographic to share with your clients and show them a
better way.

Download Resource ›



PLAN CHANGE SHOCK ABSORBER

From ArmadaCare

Plan changes are inevitable. And changes can often lead to unhappy clients.
Download this infographic and learn how to mitigate those unwanted changes now
without breaking the bank.

Download Resource ›



7 TRENDS THAT WILL IMPACT EMPLOYER HEALTHCARE DECISIONS IN 2023

From Imagine360

Curious what trends are impacting your clients so far in 2023? Check out this
infographic with 7 major trends -- it’s also a great asset to share with clients
and prospects as they think about renewals.

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BENEFITS BY THE NUMBERS

From ArmadaCare

Know the numbers that are influencing the benefits industry.

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THE FUNDAMENTALS OF SELF-FUNDED INSURANCE

From Imagine360

Self-funded healthcare is a health plan strategy that offers a number of
advantages to employers over fully insured health plans, including new
opportunities for cost containment, increased transparency, greater flexibility
and more control over health plan design--all of which are reviewed in this
guide.

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RESTAURANT CHAIN ROLLS OUT NEW HEALTH PLAN TO 87 LOCATIONS, 650+ EMPLOYEES:
SAVES $1M+ IN YEAR 1... AND IMPROVES EMPLOYEE RETENTION

From Imagine360

“Our decision to change plans was driven by cost and our desire to still have
great benefits available to our employees that were affordable...”

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A LOOK BEHIND THE HDHP/HSA CURTAIN

From ArmadaCare

HDHPs have been putting too much financial strain on employees, however, are
HSAs alone really an effective solution for your clients?

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CREATIVE WAYS HR LEADERS ARE USING HEALTHCARE TO SAVE MONEY AND IMPROVE EMPLOYEE
BENEFITS

From Imagine360

Download this white paper to share with your clients and learn how HR leaders
are reforming their health plans, pushing back against inflated pricing -- and
increasing rewards, rather than costs, for their employees.

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A COMPLIANCE CHECKLIST: UNDERSTANDING EXECUTIVE MEDICAL REIMBURSEMENT

From ArmadaCare

This checklist will help your clients protect their key leadership and meet
their healthcare coverage needs with supplemental coverage including a strategic
health and wellness program to keep top performers healthy, productive and
focused on their work.

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INFOGRAPHIC: 4 WINS OF EXECUTIVE MEDICAL PLANS

From ArmadaCare

It’s tax season. And employers are reminded of how much they have to pay. They
are wondering how they can get more tax breaks, especially on healthcare
expenses.

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A GUIDE TO EMERGING TRENDS SHAPING THE EMPLOYEE BENEFITS LANDSCAPE

From ArmadaCare

Discover the Top 2023 Benefit Trends!

Download Resource ›



GO BEYOND ORDINARY BENEFITS

From ArmadaCare

Discover how your clients can use modern workplace benefits to become an
employer of choice.

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MORE THAN A TREND: WHY TELEHEALTH IS THE NEW STANDARD POST-PANDEMIC

From Walmart Health Virtual Care

Virtual care’s rapid evolution has permanently transformed the healthcare
landscape. Are your clients capitalizing on this cost-saving benefit? Download
this white paper to help your employer clients realize the bottom-line benefits
of telehealth including increased cost savings, greater ROI, improved
productivity and easy administration.

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BY THE NUMBERS: THE UNINTENDED CONSEQUENCES OF HDHPS

From ArmadaCare

Check out these numbers on the unintended consequences of HDHPs.

Download Resource ›



EXECUTIVE PHYSICALS: A PERSONALIZED ROADMAP TO OPTIMIZE LEADERS' HEALTH &
WELLNESS

From ArmadaCare

Protect Client Decision-Makers: EP Exam Coverage & More

Download Resource ›



THE TRUE COST OF CUTTING HEALTHCARE COVERAGE

From ArmadaCare

Quick stats you and your clients need to know.

Download Resource ›



UNLOCK YOUR HEALTH PLAN'S HIDDEN POTENTIAL

From Imagine360

Download this white paper and learn how you can help your clients gain control
of rising healthcare costs, deliver better benefits, and provide superior
service and support for their employees.

Download Resource ›



POWERFUL WORKFORCE SOLUTIONS

From ArmadaCare

Coverage they will use, love and want to renew!

Download Resource ›



SUPPLEMENTAL SIMPLIFIED: A QUICK REFERENCE GUIDE

From ArmadaCare

There’s a lot more to supplemental health insurance than you might think. For
instance, voluntary plans aren’t the only type available on the market.

Download Resource ›



TELEHEALTH, COVID-19 AND HEALTH EQUITY: THE GOOD, THE BAD AND THE FUTURE

From MeMD

The pandemic has fundamentally changed the way Americans access healthcare, and
telehealth popularity has soared. Telehealth not only saves employers on
benefits costs, but it also closes the gap in healthcare inequity. Download this
white paper to help your clients offer competitive benefits in the digital age.

Download Resource ›



CARVE-OUT COVERAGE: A CLOSER LOOK AT EXCEPTED BENEFITS

From ArmadaCare

Carve-out coverage is a powerful way to help clients manage overall health plan
costs. But to start, it is important to have an understanding of excepted
benefits. This interactive infographic explores the four categories and how they
can help.

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TOP 6 CONVERSATION STARTERS FOR BETTER BENEFITS

From ArmadaCare

This conversation starter guide for better benefits will walk you through six
simple ways to start a productive conversation with your clients that will add
value and position you as their broker of choice. Download now to stay ahead in
2023.

Download Resource ›



WHAT TYPE OF BROKER ARE YOU?

From ArmadaCare

There are five different approaches and consulting types when it comes to
working with employers on benefits. Identify which type you fall into and learn
fresh ideas from the other approaches in this guide.

Download Resource ›



THE EVOLVING ROLE OF TELEHEALTH BENEFITS IN A POST-COVID WORLD

From Walmart Health Virtual Care

Help your clients meet expectations of today’s workforces while controlling
costs and improving productivity.

Download Resource ›


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