Something to consider…in my professional existence, I have always been a group benefits specialist. Although I am educated in money matters, individual insurance, financial planning, that is not where I shine and therefore, I leave those elements to those...
How are the pharmacy claims addressed for employee treatments of consistent, on-going, expensive drug treatment, which runs anywhere from $40,000-$80,000 a year? A portion of the claim falls under the experience of the benefits plan, but the vast majority is “pooled”...
With the New Year closing in fast, in this current economy, we all know every dollar counts. Planning for sustainability this coming year is a must for the New Year’s Resolutions list. As a business owner, you could be leaving a lot of money on the table if you don’t...
Remember your first cell phone? Perhaps it was the old brick that looked like a World War II field communication telephone. Perhaps yours was the Motorola Flip Phone, which sold 130-million units after its global launch in 2004. Whatever version remembered fondly,...
“Change happens when the pain of staying the same is greater than the pain of change.” ~Tony Robbins Comes down to dollars and sense really. Many times employers view their benefit plan as an expense—a commodity—a perk, disposable. A company’s greatest resource...
Definition of insanity: doing the same thing over and over again and expecting a different result. When companies ‘switch’ their insurance provider due to a rate hike at their renewal with a previous carrier, in many cases, without understanding why the premiums...
