An innovative advisor will work to deliver the best possible health care experience for employees at the lowest possible cost to them and to their client's business. One of the strategies they'll implement in order to make this goal a reality is to collect health and medical data from employees for underwriting. Some of the information may include:

• Chronic conditions
• Past surgeries and procedures
• Family history of disease

The phrase “data gathering” and the nature of the questions may worry some employees. The right adviser, however, will work with a team of people who empathize with workers' concerns. This means that they'll not only recognize the fear and frustration that the health care system may have caused employees, but also work tirelessly to offer them a newer, better health care experience.

Part of this improved experience means operating under a commitment to privacy, anonymizing data and openly explaining to both employees and business leaders that employees' medical information won't be shared directly with their employer. A good adviser will make it clear that the data they gather from employees will only be used as a tool to achieve high-value health care; if an adviser can't effectively deliver this message and make employees feel comfortable with this crucial process, the company may want to consider another adviser.