At E Powered Benefits, Emma Fox is creating a new kind of healthcare plan
Employee Benefit News
SEPTEMBER 14, 2023
Emma Fox, managing partner at E Powered Benefits, is creating a healthcare plan that doesn't depend on insurance carriers.
Fully Insured vs Self-Insured vs Level-Funded: What Does It All Mean To The Small Employer?
Fringe Benefit Analysts
OCTOBER 17, 2024
What Is a Fully Insured Health Plan? Fully insured” is what most people mean by “ insurance ” or group health insurance. These individuals or employers are then free to accept the new premium rates or shop around with other insurance carriers.
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Trending Sources
Health Insurance Carriers to Begin Mailing Out Rebate Checks
BerniePortal
AUGUST 30, 2021
In 2021, many health insurance plans may be eligible for a rebate. Your organization may qualify if you've sponsored a fully-insured health plan in the past three years. What other factors are impacting your chances of receiving a rebate in 2021? Find out more.
How Clinical Informatics Can Uncover Major Saving Opportunities in Healthcare Plans
Griffin Benefits
SEPTEMBER 5, 2023
As healthcare costs have risen rapidly in the last decade, employer-sponsored health insurance premiums have followed,1 affecting both organizations and employees. Data analytics is the first step in answering that question, directing employers toward what medical situations can sink a healthcare plan. WANT TO LEARN MORE?
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Why employee wellness matters – and how it’s good for business
Insperity
OCTOBER 1, 2024
The business case for employee wellness Your business should prioritize employee wellness if leadership cares about: Reducing healthcare claims and containing benefits costs (particularly health insurance). Many of these services may be available through current insurance carriers as value-add programs.
Health Insurance Resources for Those Affected by the California Fires 2025
CorpStrat
JANUARY 10, 2025
Here is how CorpStrat can help: CorpStrat is working with employers and employees to share how health insurance companies are helping those affected by the fires. Insurance carriers have staffed hotlines to help. Reach us if we can help you in any way. The changes are in effect January 7 th through February 5 th , 2025.
Dear Valued Participant, we’re here for you
Benefit Resource Inc.
FEBRUARY 23, 2021
Lately, we’ve seen an uptick in questions around the roles of responsibilities of your company’s broker, your TPA (that’s us), and your health insurance provider. And where does your health insurance carrier play into this? What is a health insurance carrier? Let’s break it down.
Best practices to avoid receipt requests
Benefit Resource Inc.
APRIL 10, 2023
An Explanation of Benefits (EOB) from your insurance carrier or healthcare provider gets it resolved in no time. Just remember, this doesn’t mean the expense isn’t eligible. It just means BRI hasn’t received enough information to verify it automatically.
6 tips to help employees manage out-of-pocket expenses
Benefit Resource Inc.
FEBRUARY 2, 2023
Use telemedicine Do healthcare materials provided to your employees list remote care as an option? Negotiate healthcare bills Many employees don’t know that they can negotiate prices on medical services received. If the facility isn’t in-network, the prices might not be any lower than an emergency room visit.
How To Promote an Employee Assistance Program (EAP)
BerniePortal
SEPTEMBER 8, 2021
Be sure to check with your insurance carrier to see what employee benefits may be offered under your policy, and whether an EAP is available to you. Employee Assistance Programs are a valuable benefit that, as stated above, can be necessary for certain employees to receive the help they need.
Gig economy explained: Pros, cons, future outlook
Business Management Daily
JULY 17, 2024
Reduced exposure to legal liability : If a contractor damages a customer’s property while performing work requested by a company, the contractor’s insurance carrier is responsible for making the customer whole. Companies may bear some responsibility, but not nearly as much. Conclusion Everybody knows a gig worker.
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Flimp Communications Launches BENEFITchoice, Personalized Employee Benefits-Assessment Tool
Flimp Communications
SEPTEMBER 30, 2020
These quick and easy-to-use evaluation tools are available in both English and Spanish and can be combined to provide powerful, unbiased benefits decision support for employees, helping to lower healthcare costs and free up limited HR support resources.
Are Level Funded Health Plans Your New Benefits Alternative?
PeopleStrategy
OCTOBER 17, 2023
HR departments are charged not only with finding employees comprehensive and affordable benefits including health insurance coverage, but also watching their part of the overall company bottom line. With rising healthcare costs, it can be challenging to find a solution that meets the needs of your business and your employees.
Healthcare and Insurance Industry Consolidation: A Bitter Pill?
Corporate Synergies
JULY 9, 2018
Healthcare providers and payers are racing to deliver care more efficiently, and are likely to profit from paradigm-shifting mergers and unconventional partnerships. Healthcare providers and payers are racing to deliver care more efficiently, and are likely to profit from paradigm-shifting mergers and unconventional partnerships.
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Employee Benefits Providers: What Employers Need to Know
Empuls
AUGUST 28, 2024
These providers handle the intricate details of benefits administration, from negotiating with insurance carriers to managing employee enrollments and claims. Anthem : Anthem is a major player in the health insurance industry, offering a wide range of employee benefits, including medical, dental, vision, and life insurance.
Benefits Advocate: The Secret to Healthcare Literacy and Cost Control
Corporate Synergies
MARCH 25, 2019
A benefits advocate who delivers the how and why of plan use when employees are asking for assistance helps the employer control health insurance costs. Elevating employee healthcare literacy can ward off potential issues, but the process should begin at the point when plan participants need help: when they call a benefits advocate for help.
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Quick Shots for #HR and #Business Pros – Freelancer Edition
HR Bartender
APRIL 28, 2016
I know one of the biggest challenges for freelancers is healthcare. But the gig economy isn’t something human resources should ignore.
Our Take on the CVS Health Hubs Concept
Corporate Synergies
JUNE 10, 2019
“Our Take” is Corporate Synergies commentary on employee benefits and insurance topics that are in the news. Since CVS announced its plans to buy insurance carrier Aetna in December 2017, many experts, including ours , speculated how the acquisition and other similar ones would change healthcare. But let’s not be naive.
Why Transparency Has Become a Trending Topic for Benefit Agencies
GRA Benefits Group
NOVEMBER 24, 2020
Healthcare is one of the only services where the costs are vague and confusing. Advocates have arrived in the form of third-party vendors, apps, and even insurance carriers. Transparency in healthcare has been addressed at the federal government level as well. The word you should know this year? Transparency.
Texas Court Stresses Comp Carrier is Entitled to Full “First Money” in Worker’s Third-Party Tort Settlement
The Workcomp Writer
MAY 17, 2022
The appellate court initially observed that the state’s supreme court had repeatedly stated that an insurance carrier is entitled to recover all benefits paid to an injured worker out of the “first money” the worker recovers from a liable third party [citing Exxon Mobile Corp. Insurance Co. Appellate Court’s Opinion.
This Company Is Changing the Employee Benefits Game
CorpStrat
MARCH 17, 2022
Are you an employer looking for a new and innovative health insurance plan to offer your employees? Wouldn’t it be amazing if there was a new company in the market that actually did something different from all the traditional insurance carriers? Well, we think there is. This may sound too good to be true. So how do they do it?
Baby Health Insurance Playbook: 5 Steps to Plan for a Newborn
Corporate Synergies
FEBRUARY 11, 2019
The same can be said for insuring a new dependent. To plan for newborn healthcare benefits, parents need a baby health insurance playbook. Employees are increasingly responsible for making important decisions about their healthcare and carrying the financial burden. Give Us On-demand Healthcare.
Let the benefits renewal process begin
PeopleStrategy
JUNE 15, 2020
When it comes time to start looking at healthcare providers, your broker should be your trusted advisor and guide. Brokers should have established relationships with several different insurance carriers and present multiple options to meet your goals and objectives.
Flimp Communications Offers Free Video and Digital Postcard Explaining Coronavirus
Flimp Communications
MARCH 24, 2020
Flimp Communications is a leader in HR, benefits and employee communication and provides videos, decision-support tools and interactive, digital communication solutions to employers, HR consultants, insurance carriers and healthcare providers.
3 ways you benefit with a third-party COBRA administrator
WEX Inc.
JANUARY 11, 2023
And, if your business manages COBRA administration in-house, then your human resources team is carrying additional healthcare responsibilities and risk. Submit carrier eligibility to insurance carriers. Collect premium payments.
NH Case Remanded: Was MRSA Infection “Direct and Natural Result” of Work-Related Injury?
The Workcomp Writer
FEBRUARY 2, 2024
Workers’ Compensation Claim The Academy’s insurance carrier denied the claim. The Court added that, as the insurance carrier explained in its brief, the CAB discounted the treating physician’s opinion because the doctor did not opine that the claimant “actually contracted MRSA at work.”
Wondering how to choose a professional employer organization (PEO)? Ask 7 questions
Insperity
SEPTEMBER 14, 2021
How are healthcare benefits funded? What carriers or third-party administrator (TPA) does the PEO use? If health benefits are provided under a fully-insured, PEO-sponsored plan, you will want to make sure the PEO’s insurance carriers are reputable and provide coverage in the areas where you have employees.
Telehealth Extended for Two Years in New Jersey
Workers' Compensation
DECEMBER 28, 2021
With that, health disparities among communities have come to light, highlighting how access to healthcare can greatly vary across the state. We have seen though that telehealth technology and services have allowed for greater access to healthcare for all residents throughout the state.
January HR News Worth Review
Higginbotham
JANUARY 11, 2022
Insurance carriers have expressed readiness to comply with the administration’s announcement, however they have asked specifically about the potential to reduce price gouging. Employers with fully-insured plans should expect their insurance carrier to handle these requirements.
3 things to consider about small business health insurance in Massachusetts
Genesis HR Solutions
APRIL 23, 2019
Massachusetts Healthcare Reform. Healthcare Reform requires Massachusetts residents over the age of 18, who can afford health insurance, to have health insurance or pay a penalty through their tax return. Those options include: Partnering with a PEO to gain access to health insurance.
Creating the “Urgent Care First” Mindset for Employee Benefits
Corporate Synergies
JULY 22, 2019
Adopting an urgent care first mentality can help employees and employers control healthcare costs. Urgent care centers are popping up everywhere, which means getting quick healthcare is easier and more convenient for patients. 4 Healthcare Dive , “Study shows impact of urgent care centers on nonemergent ED usage”. As Seen In.
4 Necessary Steps to a Successful Long-term Benefits Strategy
Corporate Synergies
APRIL 15, 2019
Self funding also provides more plan design flexibility and eliminates the internal costs that an insurance carrier builds into a plan for profit. Rather than offering employees a choice of 50 doctors, narrow it down to five providers with the best healthcare outcomes. you’re halfway there. RELATED TOPICS.
Pharmacy Benefit Costs Untenable? Choosing the Right PBM
Corporate Synergies
AUGUST 27, 2018
Healthcare plan participants typically use pharmacy benefits more than any other part of the health & welfare program. There are typically three ways employers work with PBMs: A PBM bundled with the insurance carrier. A “third party carve-out,” in other words, a PBM that is separate from the insurance carrier.
4 Health Insurance Options For Small Business Owners
Genesis HR Solutions
SEPTEMBER 21, 2021
In the small group market: Rates are regulated Plans typically require 70% or more employee participation Plan options may be limited Carriers have contribution requirements. Either way, your small business has access to certain products, which usually don’t include many of the more robust insurance plans offered to larger companies.
What PBM-carrier Mergers Mean for Employers and Benefits Plans
Corporate Synergies
APRIL 8, 2019
While self-insured employers will have more insight into exactly how much they are paying for prescription plans, they may still struggle to remain flexible as market consolidation continues. Many self-insured employers still turn to large insurance carriers to act as third-party administrator (TPA) of the plan.
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Exploring PEO As A Way To Offer Health Insurance For Your Employees
Genesis HR Solutions
JANUARY 28, 2019
world of health insurance. PEOs like Genesis HR select robust plans from best-in-class health insurance carriers for all their clients—the individual companies, like yours, that partner with PEOs; you then offer those plans to your employees. Health insurance is just one of many ways PEOs help small businesses like yours.
2nd COVID-19 Relief Bill Includes Many Other Changes 2021 & 2022!
Fringe Benefit Analysts
JANUARY 25, 2021
No Surprises Act (Balance billing for Out-of-Network in healthcare). This 2nd round of Coronavirus Relief has impact to Americans, Business, as well as the Healthcare Industry. . Brokers like me get paid through commissions from insurance companies on the policies that we sell to members. Temporary Health FSA and DCAP Relief.
Why you should offer Blue Cross Blue Shield Massachusetts health care to your employees
Genesis HR Solutions
AUGUST 13, 2019
It’s high-quality healthcare you—and your employees—can afford. One of the biggest differentiators between partnering with Genesis and trying to provide health insurance to your employees on your own is the quality and affordability of the insurance product you can offer. News & World Report (2018).
Medical Marijuana Within the Context of Workers’ Compensation Claims
The Workcomp Writer
JANUARY 16, 2023
The Court indicated that because the Board had not cited any legal authority for its conclusion, much less identify a federal statute that exposed the insurance carrier to criminal prosecution, it would vacate the Board’s determination that the reimbursement would violate federal law. Grace Healthcare , 320 So.3d In Jones v.
Are Workers’ Comp Insurers ready for what comes next in the COVID-19 crisis?
Workers' Compensation Perspectives
APRIL 23, 2020
This Order shall apply to all insurance carriers writing policies providing workers' compensation insurance coverage in the Commonwealth of Kentucky, self-insured groups, and any employer carrying its own risk and authorized to self-insure in the Commonwealth of Kentucky; and 5.
Flimp’s 2023-24 Open Enrollment Case Study and Trends Report Shows Average 70% Engagement Across 14 Industries
Flimp Communications
OCTOBER 1, 2024
About Flimp Flimp is a premier provider of employee benefits communications, educational content, texting, and decision-support tools for employers, consultants, enrollers, and insurance carriers.
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