Perhaps the hottest trend emerging within the employee benefitsspace is non-insurance offerings, in part, tooffset the higher costs related to traditional insuranceofferings.

There are some real issues within the health care industry, butthe biggest one is cost, says Reid Rasmussen, co-founder and chiefexecutive officer of freshbenies in McKinney, Texas, a carrierspecializing in consolidating various non-insurance services into asingle card.

When introducing the various services he offers, Rasmussen talksat length about the rising cost burden within medical care as theprimary rationale for brokers to offer non-insurance services suchas telemedicine or telehealth, medical advocacy, and medicaltourism, that could help ease the burden. But he also bundlespackages with other “lifestyle” concierge services, so employershave more to offer their workers on one card.

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Katie Kuehner-Hebert

Katie Kuehner-Hebert is a freelance writer based in Running Springs, Calif. She has more than three decades of journalism experience, with particular expertise in employee benefits and other human resource topics.