Resource Center

Many of your clients look to High Deductible Health Plans paired with HSAs to control costs and address the coverage gaps that type of setup creates. This strategy helps to offset the immediate problem of rising premium costs. However, when your clients and their employees come face-to-face with other consequences, it can cause trouble.

Download this infographic for a better understanding of how this cost-saving strategy can cause unintended ripple effects. You will also learn how to overcome some of these issues and be able to show clients data about:

• How the strategy may drive employees to look for jobs elsewhere
• How much it costs when clients continually lose talent
• Ways to implement other solutions that can help 

If your clients have plans that include an HDHP paired with an HSA, you must be proactive now before frustrations start to rise. Offer additional solutions now to help strengthen client relationships!

Even though the vast majority of the American workforce gets paid by the hour, very little new tech is built specifically for their needs. With today’s tight labor market, it’s more important than ever before for your organization to understand the needs and concerns of hourly workers. To do this effectively, you must know how they feel and what’s important to them so you can ensure your benefits, HR programs and assistance have the most impact.

Download this report now for a holistic look at the lives of hourly workers as well as deep insights on what they value in their financial, professional, and personal lives. You will learn:

• How they feel about job prospects and a potential promotion
• The amount most have in savings and their major financial concerns
• Their brand and lifestyle preferences and what that says about their daily spending 

By understanding what your employees find important in all aspects of life, you can make sure you give them what they need from work. Take steps now to understand how you can encourage productivity and loyalty.

If you ask most employees, their definition of "financial wellness" may differ greatly from how their employers approach these types of programs. While many workers, especially hourly employees, do think about retirement, their biggest concerns are typically related to day-to-day expenses. These include the essentials and unexpected costs that arise from a health emergency or other unforeseen incidents. By understanding what your employees really need when it comes to financial wellness, you can reduce turnover and ensure job satisfaction and productivity.

Watch this on-demand webinar now to get insights on why financial wellness is important to both employers and employees, as well as how to overcome gaps that emerge in many programs. You will learn how to make employees happier and more engaged after getting an overview of:

• What most programs offer today and where they miss the mark
• How competitive labor markets may impact your organization
• Ideas and tools to consider as you craft a financial wellness program

By designing a financial wellness program that helps workers where they really need it, you will ease their concerns, keeping them focused on their jobs. Additionally, smart programs can help both you and your employees improve your financial situations.

The effectiveness of open enrollment falls greatly on the employer. It’s not enough to simply present employees with health plan options and leave them to their selection. Leading a successful open enrollment means that from pre-enrollment planning to meeting the healthcare needs of employees, human resource and benefits managers have the resources they need. 

By following a series of steps and tips, employers can design an effective open enrollment strategy and see it through to fruition, resulting in fewer obstacles, less stress, and greater employee engagement.

By downloading, you may receive communications from the sponsoring organization(s). 

With the incredibly tight talent market impacting all industries, companies continue to look for ways to keep key employees close and health care costs down. To keep top talent from looking for greener pastures elsewhere, employers must help them navigate common twists and turns in the game of life. This includes health and life stage changes which can be expensive – reducing productivity and lowering job/benefits satisfaction. 

Download this infographic now to see a direct comparison between employees with standard medical plans and those with a unique type of supplemental health insurance. Find out how life can be drastically different when:

• A certain medication isn’t covered, 
• An entire family comes down with the flu,
• A family member has changes to their vision,
• Or other major health/life events occur.

Get the facts about different coverages so your clients can make a better choice for their employees. Use this infographic to help employees win in the game of life.

During the busy benefits season, your focus is split between quotes, renewals, and helping your clients enroll employees in next year’s plans. What would really help you during this intense period is a way to make life simpler.

Download this playbook now for 4 key tactics you can use to strategize with new and existing clients to make the new plan year a success. These plays include how to:

• Address pressing client needs
• Boost recruitment, retention and employee satisfaction without breaking the budget
• Help clients reap the financial benefits
• Help maximize utilization to influence program value

Act now and get these tips to help you not just survive your busy season, but thrive in it. These plays will help you score a touchdown for each and every client.

When clients come to you with problems, how do you handle them? In today’s competitive industry landscape, defining yourself can be as important as defining what your clients need in their benefits packages. When you pinpoint your strengths and understand how you approach clients, you can better help them solve their biggest business problems. 

Take this quiz to determine which of the five basic consulting types best suits you and discover fresh ideas that will help you introduce new benefits solutions to your clients. Find out if you are naturally:

• The Fixer
• The Strategist 
• The Trend-Setter 
• The Financial Whiz or
• The Defender 

Bonus: You will also receive a follow-up PDF explaining all broker types so you can understand the approaches your competition may be taking!

As your clients struggle to control rising primary healthcare plan costs, many shift more of the cost burden to employees. However, with the historically low unemployment and shortage of skills in the open market, there is now a war for talent who can be choosy with what benefits they want. You need to provide clients with a solution to this and other key problems, and help them protect both their talent and their bottom line.

Download this guide now for insights on three common business problems and how you and your clients can solve them through carve-out coverage. These problems include:

• Changes to primary health plans
• Combating retention and turnover costs
• Managing a compensation budget

If your clients feel stuck in the middle as they weigh benefits costs against keeping talent, you can provide them with alternate solutions.

When introducing supplemental health insurance programs to your clients to help fill coverage gaps, it can be difficult to show the actual benefits of different types of plans. While all plans can provide some coverage of gaps, they are not created equal. You need a side-by-side comparison to be able to show clients the differences and help them make the right choice for their business and employees.

Download this infographic now to compare the experiences of two people with the same medical conditions, but different supplemental health coverage. This tool will help you show clients:

• The differences in what are covered by the various types of supplemental plans
• Features of expense reimbursed insurance plans
• Advantages for both their employees and budget

Supplemental health options can be confusing, but use this tool to give your clients the clarity they need.

In the changing benefits landscape, clients continue to look for new and better ways to cut costs. However, many old tactics simply aren’t achieving the necessary savings while also keeping top talent from leaving organizations to look for greener pastures elsewhere. Brokers need to offer more creative solutions that can help clients attract and retain key employees, while guarding their bottom line.

Download this infographic now to learn new strategies for hitting the sweet spot – finding the balance to manage costs without reducing health care coverage. You will learn:

• What it looks like when the mark is missed completely
• What the sweet spot could look like for clients
• How to achieve client goals in a way that is right for both their bottom line and employees

Clients are looking for their benefit sweet spot and now is the time to get them there. Use this infographic to discover new ideas!

The old ways of trying to lower out-of-pocket healthcare expenses for your clients’ employees is just that: old. You need a new strategy that lets you layer multiple plans to help them attract and retain top talent. This lets your clients return to “100 percent” coverage for routine or unexpected expenses for certain classes of employees, and even cover some costs that may not be expected in a primary plan.

Download this infographic now to learn how you and clients can work together to make sure their top talent has coverage for out-of-pocket medical expenses, such as:

• Chiropractic care
• Unexpected ER visits
• Hospital private rooms
• In Vitro fertilization
• Brand name Rx
• And more...

Discover a better way to help reduce out-of-pocket expenses now!

Plan changes are inevitable, and they can often lead to unhappy clients. If you can provide a way to mitigate the changes and decrease their impact, you continue to be a trusted partner and an essential part of their team. By offering certain plans to select employees, it can help clients ease the pain of any changes for their key employees.

Download this infographic now to learn more about how to lessen the impact of plan changes such as:

• Rising deductibles
• Prescription drug changes
• The absence of vision or dental plans
• Lower coverage for out-of-network services

Take steps now to show clients how they can give their employees coverage for everyday issues as well as unexpected healthcare expenses without breaking the bank!

Reducing turnover costs. Mitigating the impact of health plan changes. Controlling benefit costs. Whatever business problems your clients are struggling with, you can help them solve it with carve-out supplemental expense reimbursed insurance. What was once only referred to as “executive medical reimbursement” is still possible today, as long as it is structured correctly.

Download this white paper now to discover:

• How this type of benefit is still viable with ACA rules
• Key requirements for these targeted benefit boosting solutions
• What criteria qualify this type of insurance as “excepted benefits”

Help clients offer competitive benefits packages without breaking the bank.

It’s a popular idea: High Deductible Health Plans paired with HSAs to control costs and address the newly created coverage gaps. While this can help with the immediate problem of offsetting rising premium costs, it can also cause trouble when your clients and their employees come face-to-face with the realities of that decision.

Download this infographic now to get a better understanding of the unintended ripple effects caused by this cost saving strategy and how to overcome the issues it brings. This tool will help you show clients data about:

• How the strategy may drive employees to other companies
• The cost of continually losing talent
• Other solutions that can help offset these issues

If your clients recently put an HDHP with an HSA in place, don’t wait for problems to erupt. Maintain good relationships by offering them additional solutions now!