Expert Perspectives

Aflac Incorporated is a Fortune 500 company and leading supplemental insurer helping provide protection to more than 50 million people for over 65 years. For 15 consecutive years, Ethisphere has recognized Aflac as one of the World\'s Most Ethical Companies. In 2021, Fortune included Aflac Incorporated on its list of World\'s Most Admired Companies for the 20th time, and for the second consecutive year, Bloomberg added Aflac Incorporated to its Gender-Equality Index. To learn how to get help with expenses health insurance doesn\'t cover, get to know us at Aflac.com.

ClaimDOC is a national medical claim auditing and member advocacy company offering commercial plans proven and effective cost containment. Our solution using reference based pricing principles typically drives 25 to 35% savings and richer benefits versus traditional carrier and network solutions. ClaimDOC’s unique model within RBP leverages superior member advocacy to build partnerships with members and providers making it the most sustainable alternative in the industry. Our approach to elevate the member experience, while diligently managing risk as co-fiduciary is what sets us apart.

At Clarity Benefit Solutions, we believe life is a journey; one that should be lived well. Our goal is to bring clarity into the challenging world of benefits and utilize technology to simplify benefit administration, reduce costs and empower our customers. With a full suite of consumer benefits, we offer reliable solutions that ease pain points, provide clear direction, and lack unnecessary complexity. Simplicity is at the heart of our company and in the details of everything we do. Our Simply Smarter Approach to employee benefits has led to thoughtful new ways for employers to get the most out of their benefits and to ensure their employees are ready for whatever comes their way. We strive to help our partners, clients, participants and the world by being an advocate for simplicity and using our voice to promote an overarching ‘culture of health.’ We want to reach beyond benefits and support an abundant personal and professional life with balance, freedom, and joy.

DLC is a 501(c)(3) patient advocacy organization comprised of individuals who combine their passion for advocacy with decades of diabetes experience and leadership to advance patient-first policies at the local, state and national levels. Our members – all former leaders of national diabetes organizations – engage policymakers, and public and private sector influencers to call attention to the diabetes epidemic and provide a voice for 37 million Americans living with the disease. We are people with diabetes, parents of children with diabetes, allies and tireless volunteers dedicated to improving the lives of all people impacted by diabetes. We combine experience leading national diabetes organizations with professional experience in business, law and government. Our diverse backgrounds and areas of expertise help DLC examine tough problems from different perspectives and identify solutions. We work together to advance one cause: Effective, affordable health care and a discrimination-free environment for every person affected by diabetes. For more information, visit DiabetesLeadership.org

Harvard Pilgrim and its family of companies provide health benefit plans, programs and services to more than 3 million customers in New England and beyond. A leading not-for-profit health services company, we guide our members–and the communities we serve–to better health. Founded by doctors nearly 50 years ago, we’re building on our legacy. In partnership with our expansive network of doctors and hospitals, we’re improving health outcomes and lowering costs through clinical quality and innovative care management.

HM Insurance Group (HM) works to protect businesses from the potential financial risk associated with catastrophic health care costs. The company provides reinsurance solutions that address risk situations confronting employers, providers and payers. A recognized leader in employer stop loss, HM also offers managed care reinsurance nationally. With HM, you can connect with thought leaders and smart ideas steeped in regional knowledge and backed by financial stability. Building relationships – nationwide and for the long-term – HM is ever mindful of the evolving health care landscape and committed to protecting the financial well-being of clients. HM Life Insurance Company and HM Life Insurance Company of New York are rated “A” (Excellent) by A.M. Best Company, one of the country’s oldest and most respected rating agencies. Through its insurance companies, HM Insurance Group holds insurance licenses in 50 states and the District of Columbia and maintains sales offices across the country

Judy Diamond Associates is an industry-leading employee benefits research firm, specializing in extracting and analyzing data from the Department of Labor’s Form 5500. Insights drawn from our research inform the sales, marketing, and product development strategies of the nation’s largest 401(k) and group insurance providers. Our prospecting tools have been an integral part of our industry for over 30 years, helping large and small firms win new business.

MassMutual has been helping customers with their needs since 1851. Through five major wars, the Great Depression and multiple recessions and economic expansions, we\'ve developed an exceptional ability to adapt to a changing world and help our clients do the same. Today, the MassMutual Financial Group companies help millions of people prepare for the road ahead (and life\'s uncertainties along the way) with our life insurance, annuity, investment and other products. And thousands of institutions across the country - such as businesses, endowments, foundations and insurance companies - rely on us for our exceptional investment and advisory capabilities.

Pets are family. But with pet care costs on the rise, unexpected vet bills can take a bite out of the family budget. In fact, 98% of pet owners underestimate the lifetime cost of a pet. More pet owners trust Nationwide® over any other insurer to protect their pets’ health. We offer the most comprehensive coverage available, with the highest overall payouts and the lowest average premiums. Get reimbursed for your pet’s veterinary treatments, surgeries, lab tests, X-rays and more. Plus, enjoy the freedom to use any vet, including specialists and emergency providers. Learn more at PetsVoluntaryBenefits.com or call 855-874-4944.

Harvard Pilgrim Health Care and Tufts Health Plan are a part of Point32Health, a leading health and wellbeing organization committed to delivering an ever-better care experience to everyone in our communities. Building on the quality, nonprofit heritage of our founding organizations, we leverage our experience and expertise to help people find a version of healthier living through a broad range of health plans and tools that make navigating health and wellbeing easier.

Teladoc Health empowers all people everywhere to live their healthiest lives by transforming the healthcare experience. As the world leader in whole-person virtual care, Teladoc Health uses proprietary health signals and personalized interactions to drive better health outcomes across the full continuum of care, at every stage in a person’s health journey. Teladoc Health leverages more than two decades of expertise and data-driven insights to meet the growing virtual care needs of consumers and healthcare professionals. For more information, please visit www.teladochealth.com or follow @TeladocHealth on Twitter.

TELUS Health is a global health care leader serving people in more than 160 countries delivering both digital innovation and clinical services to improve total physical, mental and financial health and wellness across the full spectrum of primary and preventive care. By leveraging the power of technology to deliver connected solutions and services both in-person and virtually, TELUS Health is improving access to care and revolutionizing the flow of information while facilitating collaboration, efficiency, and productivity for physicians, pharmacists, health authorities, allied health care professionals, insurers, employers and people globally, progressing its vision of transforming health care and empowering people to live healthier lives. Our clinical team is composed of renowned and passionate health professionals around the world delivering best-in-class people-centric care to hundreds of thousands of employers, professionals and their families. For more information please visit: www.telushealth.com.

UMR, UnitedHealthcare’s TPA solution, is the country’s largest medical third-party administrator (TPA) of health benefits. UMR provides customized solutions, cost-effective networks and compassionate service for self-funded medical and dental plans. In addition to integrated health plan management and claims processing services, UMR offers a variety of programs to help clients control costs including care management, pharmacy benefits administration, reinsurance products, claim recovery, claim repricing, provider data management and non-network claims cost-containment.

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      "title": "Aflac Expert Perspectives",
      "slug": "aflac-expert-perspectives",
      "summary": "Aflac Incorporated is a Fortune 500 company and leading supplemental insurer helping provide protection to more than 50 million people for over 65 years. For 15 consecutive years, Ethisphere has recognized Aflac as one of the World\\'s Most Ethical Companies. In 2021, Fortune included Aflac Incorporated on its list of World\\'s Most Admired Companies for the 20th time, and for the second consecutive year, Bloomberg added Aflac Incorporated to its Gender-Equality Index. To learn how to get help with expenses health insurance doesn\\'t cover, get to know us at Aflac.com.",
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    {
      "imageUrl": "//www.almcms.com/contrib/content/uploads/sites/276/2023/02/ClaimDOC-Logo-Primary-01-e1677253409197.jpg",
      "title": "ClaimDOC",
      "slug": "claimdoc-1",
      "summary": "ClaimDOC is a national medical claim auditing and member advocacy company offering commercial plans proven and effective cost containment. Our solution using reference based pricing principles typically drives 25 to 35% savings and richer benefits versus traditional carrier and network solutions. ClaimDOC’s unique model within RBP leverages superior member advocacy to build partnerships with members and providers making it the most sustainable alternative in the industry.  Our approach to elevate the member experience, while diligently managing risk as co-fiduciary is what sets us apart.",
      "digitalEditionUrl": ""
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    {
      "imageUrl": "//www.almcms.com/contrib/content/uploads/sites/276/2022/09/Clarity-Benefit-Solutions-horizontal-CMYK.png",
      "title": "Clarity Benefit Solutions",
      "slug": "clarity-benefit-solutions",
      "summary": "At Clarity Benefit Solutions, we believe life is a journey; one that should be lived well. Our goal is to bring clarity into the challenging world of benefits and utilize technology to simplify benefit administration, reduce costs and empower our customers.   \nWith a full suite of consumer benefits, we offer reliable solutions that ease pain points, provide clear direction, and lack unnecessary complexity. Simplicity is at the heart of our company and in the details of everything we do. Our Simply Smarter Approach to employee benefits has led to thoughtful new ways for employers to get the most out of their benefits and to ensure their employees are ready for whatever comes their way.\nWe strive to help our partners, clients, participants and the world by being an advocate for simplicity and using our voice to promote an overarching ‘culture of health.’ We want to reach beyond benefits and support an abundant personal and professional life with balance, freedom, and joy.",
      "digitalEditionUrl": ""
    },
    {
      "imageUrl": "//www.almcms.com/contrib/content/uploads/sites/276/2023/05/Diabetes-Leadership-Council-Logo.png",
      "title": "Diabetes Leadership Council",
      "slug": "diabetes-leadership-council",
      "summary": "DLC is a 501(c)(3) patient advocacy organization comprised of individuals who combine their passion for advocacy with decades of diabetes experience and leadership to advance patient-first policies at the local, state and national levels. Our members – all former leaders of national diabetes organizations – engage policymakers, and public and private sector influencers to call attention to the diabetes epidemic and provide a voice for 37 million Americans living with the disease.\n\nWe are people with diabetes, parents of children with diabetes, allies and tireless volunteers dedicated to improving the lives of all people impacted by diabetes. We combine experience leading national diabetes organizations with professional experience in business, law and government. Our diverse backgrounds and areas of expertise help DLC examine tough problems from different perspectives and identify solutions. We work together to advance one cause: Effective, affordable health care and a discrimination-free environment for every person affected by diabetes. For more information, visit DiabetesLeadership.org",
      "digitalEditionUrl": ""
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    {
      "imageUrl": "//www.almcms.com/contrib/content/uploads/sites/276/2020/11/HPHC_Logo-Update_RGB_Full-Color-01-2.png",
      "title": "Harvard Pilgrim Health Care",
      "slug": "harvard-pilgrim-health",
      "summary": "Harvard Pilgrim and its family of companies provide health benefit plans, programs and services to more than 3 million customers in New England and beyond. A leading not-for-profit health services company, we guide our members–and the communities we serve–to better health.\n\nFounded by doctors nearly 50 years ago, we’re building on our legacy. In partnership with our expansive network of doctors and hospitals, we’re improving health outcomes and lowering costs through clinical quality and innovative care management.",
      "digitalEditionUrl": ""
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    {
      "imageUrl": "//www.almcms.com/contrib/content/uploads/sites/276/2019/07/hmig_notag_2c-e1562163681723.png",
      "title": "HM Insurance Group",
      "slug": "hm-insurance-group-1",
      "summary": "HM Insurance Group (HM) works to protect businesses from the potential financial risk associated with catastrophic health care costs. The company provides reinsurance solutions that address risk situations confronting employers, providers and payers. A recognized leader in employer stop loss, HM also offers managed care reinsurance nationally.\n\n \n\nWith HM, you can connect with thought leaders and smart ideas steeped in regional knowledge and backed by financial stability. Building relationships – nationwide and for the long-term – HM is ever mindful of the evolving health care landscape and committed to protecting the financial well-being of clients.\n\n \n\nHM Life Insurance Company and HM Life Insurance Company of New York are rated “A” (Excellent) by A.M. Best Company, one of the country’s oldest and most respected rating agencies. Through its insurance companies, HM Insurance Group holds insurance licenses in 50 states and the District of Columbia and maintains sales offices across the country",
      "digitalEditionUrl": ""
    },
    {
      "imageUrl": "//images.law.com/contrib/content/uploads/sites/292/2019/07/Judy-Diamond-Assoc_CMYK.png",
      "title": "Judy Diamond Associates",
      "slug": "judy-diamond-associates",
      "summary": "Judy Diamond Associates is an industry-leading employee benefits research firm, specializing in extracting and analyzing data from the Department of Labor’s Form 5500. Insights drawn from our research inform the sales, marketing, and product development strategies of the nation’s largest 401(k) and group insurance providers. Our prospecting tools have been an integral part of our industry for over 30 years, helping large and small firms win new business.",
      "digitalEditionUrl": ""
    },
    {
      "imageUrl": "//images.benefitspro.com/contrib/content/uploads/sites/276/2019/02/Logo-e1549978327314.jpg",
      "title": "MassMutual",
      "slug": "massmutual",
      "summary": "MassMutual has been helping customers with their needs since 1851. Through five major wars, the Great Depression and multiple recessions and economic expansions, we\\'ve developed an exceptional ability to adapt to a changing world and help our clients do the same. Today, the MassMutual Financial Group companies help millions of people prepare for the road ahead (and life\\'s uncertainties along the way) with our life insurance, annuity, investment and other products. And thousands of institutions across the country - such as businesses, endowments, foundations and insurance companies - rely on us for our exceptional investment and advisory capabilities.",
      "digitalEditionUrl": ""
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    {
      "imageUrl": "//www.almcms.com/contrib/content/uploads/sites/276/2023/05/Nationwide-logo.png",
      "title": "Nationwide",
      "slug": "nationwide",
      "summary": "Pets are family. But with pet care costs on the rise, unexpected vet bills can take a bite out of the family budget. In fact, 98% of pet owners underestimate the lifetime cost of a pet. More pet owners trust Nationwide® over any other insurer to protect their pets’ health. We offer the most comprehensive coverage available, with the highest overall payouts and the lowest average premiums. Get reimbursed for your pet’s veterinary treatments, surgeries, lab tests, X-rays and more. Plus, enjoy the freedom to use any vet, including specialists and emergency providers.\n\nLearn more at PetsVoluntaryBenefits.com or call 855-874-4944.",
      "digitalEditionUrl": ""
    },
    {
      "imageUrl": "//images.benefitspro.com/contrib/content/uploads/sites/276/2022/05/Point32Health-Logo.png",
      "title": "Point32Health Expert Perspectives",
      "slug": "point32health-expert-perspectives-1",
      "summary": "Harvard Pilgrim Health Care and Tufts Health Plan are a part of Point32Health, a leading health and wellbeing organization committed to delivering an ever-better care experience to everyone in our communities. Building on the quality, nonprofit heritage of our founding organizations, we leverage our experience and expertise to help people find a version of healthier living through a broad range of health plans and tools that make navigating health and wellbeing easier.",
      "digitalEditionUrl": ""
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    {
      "imageUrl": "//www.almcms.com/contrib/content/uploads/sites/276/2023/05/Telado_Health_Logo_JPEG-2-e1684176209591.jpg",
      "title": "Teladoc Health",
      "slug": "teladoc-health",
      "summary": "Teladoc Health empowers all people everywhere to live their healthiest lives by transforming the healthcare experience. As the world leader in whole-person virtual care, Teladoc Health uses proprietary health signals and personalized interactions to drive better health outcomes across the full continuum of care, at every stage in a person’s health journey. Teladoc Health leverages more than two decades of expertise and data-driven insights to meet the growing virtual care needs of consumers and healthcare professionals. For more information, please visit <a href=\"https://www.teladochealth.com/\">www.teladochealth.com</a>  or follow @TeladocHealth on Twitter.",
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    {
      "imageUrl": "//www.almcms.com/contrib/content/uploads/sites/276/2023/10/TELUS_Health_EN_Hor_2020_v2_Digital_RGB.png",
      "title": "TELUS Health",
      "slug": "telus-health",
      "summary": "TELUS Health is a global health care leader serving people in more than 160 countries delivering both digital innovation and clinical services to improve total physical, mental and financial health and wellness across the full spectrum of primary and preventive care. By leveraging the power of technology to deliver connected solutions and services both in-person and virtually, TELUS Health is improving access to care and revolutionizing the flow of information while facilitating collaboration, efficiency, and productivity for physicians, pharmacists, health authorities, allied health care professionals, insurers, employers and people globally, progressing its vision of transforming health care and empowering people to live healthier lives.\n \nOur clinical team is composed of renowned and passionate health professionals around the world delivering best-in-class people-centric care to hundreds of thousands of employers, professionals and their families.\n \nFor more information please visit: www.telushealth.com.",
      "digitalEditionUrl": ""
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      "title": "UMR",
      "slug": "umr",
      "summary": "UMR, UnitedHealthcare’s TPA solution, is the country’s largest medical third-party administrator (TPA) of health benefits. UMR provides customized solutions, cost-effective networks and compassionate service for self-funded medical and dental plans. In addition to integrated health plan management and claims processing services, UMR offers a variety of programs to help clients control costs including care management, pharmacy benefits administration, reinsurance products, claim recovery, claim repricing, provider data management and non-network claims cost-containment.",
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