As medical treatments evolve, itis expected that the plan design may not be in absolute sync withthe latest science.

As the season transitions from summer to fall in the Northeast,we find ourselves reaching for jackets and boots to protect againstthe crisper autumn temperatures. This time of year, however, shouldnot be limited to looking for ways to defend ourselves against theupcoming harsh conditions, but also the time we must use to protect(and prepare) our self-funded plans to avoid an unforgiving 2020renewal. Often, the path to change starts by listening toemployees about their concerns or suggestions forthe upcoming year.

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