Consumer Driven Health Care

What you should expect from your international health insurance policy: Hospital Room and Board Intensive Care Unit Local Ambulance Physician Visits Annual Physical Exams Immunizations Prescription Drug Coverage

The benefits provided under most international health insurance policies are far more comprehensive than travel insurance and are more closely related to a private U.S. health insurance policy. Because these are annually renewable and permanent

Is there an affordable plan out there today that provides value and can be easily understood by the people it is covering? Since this is where we stand today, let's ask a few "what if?" questions: What if you could offer a plan

While other benefits get the chop, employers are hanging on to wellness programs. A survey by Buck Consultants found 45 percent of respondents are increasing their wellness communications. "Our findings suggest that wellness has 'come

Among private industry workers, 43 percent don't have paid sick leave. 23 percent of private industry workers have no paid vacation time. Of private industry workers, 88 percent have paid holidays, compared with 76 percent of governme

You know the dangers. You know the facts. You've heard the stories. You've seen the results. And despite repeated warnings from the Surgeon General, you know people who do it daily, if not hourly. The Centers for Disease Control and

Nothing breaks the ice like breaking bread together but regardless of where the discussion takes place, the broker as advisor begins to learn the client's specific issues and concerns. Many brokers have found lunch with their HR client to be

Once the broker has identified one or more pain points that lend themselves to a voluntary enrollment solution, he uses more strategic questions to amplify the pain and help the client feel the pain. Here are a few more questions that can agitate