Benefits Sales Strategies

The recession and continued uncertainty over health care reform has spawned new objections

As employers are constantly looking to attract and attain talent, providing a comprehensive benefits solution is one of the top ways to remain competitive.

Last week I put together some very enlightening statistics on how we get hosed by health insurance carriers on experienced rated policies. This is a problem because most health policies are NOT experience rated.

This week I took a look at whether premiums can be used to predict claims. Unfortunately, claims paid are only required to be reported on health policies that use experience related contracts, which represent a very small minority (around 7 percent) of health plans filed.

When Im asked to help with an employee benefit design, one of my first questions concerns the employers tax structure. Unfortunately, sometimes the response is, Who cares?

Hospital stays for heart failure fell a remarkable 30 percent in Medicare patients over a decade, the first such decline in the United States and forceful evidence that the nation is making headway in reducing the billion-dollar burden of a common condition.