With the ability to reveal an individual’s risk of developing various illnesses and disease, genetic testing is expected to transform the practice of medicine. However, those with known family history of certain conditions may opt not to take such tests for fear of...
The purpose of any insurance is to mitigate risk and group insurance is no exception. Imagine if you would, an employee who earns $56,000 a year, has Hepatitis C and has been prescribed Harvoni at a cost of $69,910 for nine rounds of treatment. For all intents and...
There are always a lot of questions when it comes to implementing or sustaining a benefit plan, not least of which are employees wanting to ‘opt’ off the entire coverage. This is often a bone of contention when the question of liability comes into play. The role of...
Anyone who knows me more than ten minutes, knows how much I love going to the coffee shop to meet with clients and friends. The atmosphere suits me and despite never being advertised as such, there is little to no cell phone use. So, we truly chat without...
Biologic drugs have been around for about 20-years or so and are best known for their development in combating diseases like Cancer, Diabetes, and Multiple Sclerosis. The difference between a Biologic drug and a typical pharmaceutical would be the shelf-life. A...
With all that business owners have to chose from when building their employee benefit program, there is nothing more practical or flexible than a health care spending account (HSA). A HSA can be made to fit within the existing benefit plan like a glove, or it can be...
