Our New President to Fix Health Care?

There is a clear philosophical difference between our two main political parties, and these differences will affect key aspects of health care, such as the role of government vs. commercial enterprises. This will influence very important aspects of how citizens procure health care. However, make no mistake, our health care dilemma is all about its...


Voluntary Insurance Pays…But Who Benefits?

In a benefits landscape that is full of challenges, it’s time to call out plans and services that either no longer serve a productive purpose for employer funds and/or are wasting valuable employee dollars and employer resources. There are several benefits plans that many of you offer to employees that aren’t much better than playing...


The Cadillac tax is a joke, right?!

No — the acceptance of our healthcare costs is the real joke! Unfortunately people are missing the point that the tax hits only after you have exceeded $10,200 for an individual and $27,500 for a family in annual cost. Where is the outrage regarding these types of costs for healthcare? Who can possibly rationalize that...

6 Strategies to Beat the Market as Merger Mania Hits Benefits Industry

6 Strategies to Beat the Market as Merger Mania Hits Benefits Industry

Aetna acquires Humana, Anthem to buy Cigna, United Healthcare buys Catamaran, CVS buys Omnicare, Rite Aid acquires EnvisionRx and on and on. Have you read about the upside for employers or employees? No. Here’s what’s in the news: How will investors make out? Which management team will be in charge? Who gets how many board...


The Anthem Cigna Acquisition Deal: At a Glance for Employers

With the big five — United Health Care, Anthem, Aetna, Humana and Cigna now (Aetna acquires Humana) — down to the big three it is critical that employers use new approaches to control medical costs. If anyone is hoping that these recent deals will create better employer or consumer outcomes you must be living in...


Benefits Managers Are Set up for Failure (Part Two)

In part one of “Benefits Managers are Set Up for Failure,” author Eric Krieg exposed the difficult job benefits managers have of balancing their day-to-day responsibilities while trying to make meaningful and impactful change to the company’s benefits program. Here’s an example of how benefits managers often operate: A benefits manager is responsible for $10...


Benefits Managers Are Set up for Failure (Part One)

You most likely know benefits managers have an important responsibility to make decisions regarding company health, dental, prescription drugs, disability and life insurance on behalf of entire organizations. Titles for these professionals can range from the senior vice president of human resources to the benefits manager to a number of titles in between. Yet, even...


6 Ways Insurance Brokers Overcharge: Hidden Costs of Your Employee Benefits Plan

The world of employee benefits management can be a complicated one, which often is the reason companies engage brokers. Companies perceive brokers as professionals who can help them save time and money, as brokers are the alleged experts in the insurance marketplace. The fact is, however, many brokers are conflicted with self-serving interests, and organizations...