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The Actuaries Behind Your Insurance Premium

The Actuaries Behind Your Insurance Premium

If you manage your company’s insurance program, you know that policies are more than just a stack of documents. They represent a system for managing risk and making claims more affordable. Insurers pool their insureds' premiums. They set aside funds to pay covered...

7 Effective Ways to Reduce Group Health Insurance Plans

7 Effective Ways to Reduce Group Health Insurance Plans

The Bureau of Labor Statistics reports that 2020 hourly earnings were up 7.5% for the year ending in April 2020. Employers are willing to pay workers more these days, a sign that hiring is getting increasingly competitive.  What's one of the best ways to attract...

6 Ways Employee Wellness Ideas Reduce Your Healthcare Cost

6 Ways Employee Wellness Ideas Reduce Your Healthcare Cost

Healthcare costs are one of the biggest financial headaches for most companies in the United States. The U.S. pays more in healthcare than any other developed nation (by about double!) and doesn't even produce the best health outcomes. So, how can we reduce healthcare...

What Employee Health Benefits Should I Include?

What Employee Health Benefits Should I Include?

Did you know 78% of employees would likely remain with their employer because of their benefits? Health benefits are becoming more a reason for people to stay at their job because it’s expensive to pay for them if they’re not included. Companies are looking for ways...

What Is A Group Health Plan And What Should You Include?

What Is A Group Health Plan And What Should You Include?

Employees seek employers they can work for on a long-term basis if the benefits meet their needs. Workers desire more than just money to stick around. One important benefit businesses should include is a group health plan. What is a group health plan and what will it...

How to Choose Health Care Insurance for Small Business Employees

How to Choose Health Care Insurance for Small Business Employees

Are you an employer looking to find the perfect healthcare plan for your company? It might seem challenging to figure out, but all you need is useful information. Even if you found some options on your local government website, it might not be up to date or provide...

Controlling Your Self-Insured Exposure With Stop Loss Insurance

Controlling Your Self-Insured Exposure With Stop Loss Insurance

As a self-insured company, stop loss insurance reinforces your commitment to pay your own claims. Choosing to self-insure your company's loss exposures isn't an easy decision. It usually comes after a diligent annual risk management review. Each year you identify your...

5 Questions to Ask When Choosing Group Health Insurance for Businesses

5 Questions to Ask When Choosing Group Health Insurance for Businesses

Being a business owner can be overwhelming. You have an endless list of responsibilities, including choosing a group health insurance plan. To help make the process easier, do your research in order to understand what you’re looking for, and get the right plan. Keep...

Do Your Employees Need Critical Illness Coverage?

Do Your Employees Need Critical Illness Coverage?

When your employee makes a decision about insurance benefits, it’s usually based on a perceived need and coverage availability. Employees might not understand the need for critical illness insurance the way they understand the need for health and life insurance....

Health Care Technology That Meets Employee Expectations?

Health Care Technology That Meets Employee Expectations?

A flexible health insurance program helps you attract and retain employees. Now, more than ever, health care technology is an essential key to meeting employee expectations. Technology is an integral part of practically every business task. Employees expect comparable...

Does your company need a Section 125 Administrator?

Does your company need a Section 125 Administrator?

Businesses have had access to Cafeteria Plans since Congress passed “The Revenue Act of 1978.” The plans have clear advantages, but they also create paperwork, tax-compliance problems, and administrative issues. A Section 125 Administrator provides consultation...

How does Telemedicine work?

How does Telemedicine work?

Telemedicine is a healthcare access alternative that helps patients maintain a connection with medical professionals. It’s a virtual solution facilitated by video technology. Patients ask questions and describe their symptoms. Medical professionals consult, advise,...

Why You Need a Health Insurance Consultant

Why You Need a Health Insurance Consultant

Health insurance is one of the most important benefits you can offer. It helps attract new employees and retain existing workers. It supports your employees' physical and financial wellbeing. When you’re in charge of implementing your company’s insurance plan, a...

Voluntary Benefits and Employee Retention

Voluntary Benefits and Employee Retention

First of all, benefits have always been a key factor in employee retention success. Employees want a good salary, but they also want extras that enhance their personal and financial lives. Perks have become even more important in the current job market. As employment...

Wellness Programs in 2020

Wellness Programs in 2020

Companies have had several years to integrate wellness goals and resources into their workdays. Now that wellness is a workplace staple, recent research suggests that the biggest wellness challenge for 2020 should be a drive to measure objective results. Track Your...

Commercial Insurance The Connected Way

Commercial Insurance The Connected Way

When your company applies for, renews, or restructures its commercial insurance program, you open up your business to a somewhat invasive process. With commercial insurance, that overwhelming sense of baring your soul is hard to escape. You’ll have a kinder, gentler...

Your Diverse Workforce Wants Flexible Benefits

Your Diverse Workforce Wants Flexible Benefits

First off, your workforce demographic has probably changed over the years. Secondly, today's best "man" for the job might still be a man but it might also be a young woman or a gender non-conforming individual. For instance, your most productive employee could be a...

An Insurance Strategy That Meets Your Risk Management Goals

An Insurance Strategy That Meets Your Risk Management Goals

Risk Management Goals Today When you're responsible for updating your company’s risk management goals, you realize that insurance isn’t always the default answer. Of course, insurance is still one of the most efficient tools for handling risk. To remain effective and...

Do your employees need more life insurance options?

Do your employees need more life insurance options?

Insurance Options One of the major goals of a quality employee benefits program is to provide resources, namely insurance options in the case, that employees can and will use. Employee group life insurance has always helped employers meet that goal. It allows you to...

The Wellness trend isn’t going away

The Wellness trend isn’t going away

If you thought of workplace wellness as another health-nut trend that would eventually fade away, you're probably surprised that it’s still going strong. The idea of wellness has been around for centuries. Only in recent decades have we anchored the idea to workplace...

What benefits do millennials want?

What benefits do millennials want?

The media has been publishing the myths and mysteries of Millennial culture for nearly a decade. Amusing stories and anecdotes don’t help much when you’re trying to plan millennial insurance benefits or figure out what drives a whole generation. Fortunately, reliable...

Why does the IRS Require Summary Plan Descriptions?

Why does the IRS Require Summary Plan Descriptions?

Why Does the IRS Require Summary Plan Descriptions? When a new employee begins their job, you do a paper or digital document dump of everything from a job description to an employee handbook. If your new hire qualifies as a participant or beneficiary of your 401-k or...

Complimentary Benefits/ Services Review

We are always here to talk because your business is different from any other. Only when we understand your company can we deliver meaningful insurance products and benefits. We get to know your business philosophy, your goals, and your objectives. Your unique business profile becomes our reference to help us build solutions that work for you and your employees. Call Our Toll Free Customer Service Line (800)367-2482 or fill out the form and we'll get right back to you.

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