Resource Center

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.

HSAs can be much more than a medical tax shelter – they can become part of a comprehensive retirement strategy. Even though some 25 million Americans already have an HSA, they aren’t commonplace, and those who do have them are likely not taking full advantage. There continues to be a lot of confusion and the potential benefits are often misunderstood. You have an opportunity to evolve your strategy and incorporate a more comprehensive pitch that will educate clients and their employees on how HSAs can truly help them.

Download this white paper now to get tips on how to open up new conversations about HSAs and get a roadmap to help you implement a better program. You will also gain:

• A better understanding of how HSAs can work and a list of benefits for both participants and sponsors
• Insights to help you customize your pitch, by audience and generation/life stage
• Sales strategies to help you identify and reach out to the right clients

HSAs can deliver so much more value than they already do, you just have to help your clients and their employees unlock the possibilities. Act now to learn how to craft your pitch and better articulate the value of HSAs.

Despite the growth of PEOs (Professional Employer Organizations) in the industry, many brokers and small business owners remain confused about some of the most important aspects of the PEO-client relationship. This stems from a misunderstanding about two very different things: co-employment and employee leasing. This uncertainty causes many brokers and employers to hesitate working with a PEO — thinking this solution means a loss of control over key business decisions, and of their employees. It does not.

Download this eBook now to get a better understanding of co-employment versus employee leasing and how PEO partnerships can be leveraged to help small businesses. You will get the answers to these questions:

• What is co-employment (and what is it not)?
• What does co-employment mean for a PEO client?
• Which responsibilities fall on the PEO in a co-employment relationship?
• How does co-employment differ from employee leasing?
• And more!

Discover how PEOs can help your clients with their HR challenges and benefit your business.

One area of HR is increasingly difficult for your clients to properly handle: maintaining compliance with employment laws. With new laws getting passed every year at each level of government, your clients struggle to stay current while fearing the threat of fines, lawsuits, and/or other penalties. You are in a unique position to help clients sort through what they need to do and new actions they need to take.

Download this eBook now to explore some of the biggest trends and topics in employment law along with how small employers can maintain compliance. This includes information on:

• Paid leave
• Workplace sexual harassment
• Minimum wage
• Reasonable accommodations
• And much more!

Become a more invaluable member of your clients’ team by using this guide to lead them through the ins-and-outs of employment law and helping them remain compliant and reduce stress.  

Voluntary benefits used to be looked at as a “nice-to-have” perk clients could offer to employees. However, with the rising costs of healthcare and the competitive labor market, voluntary benefits are increasingly becoming a “must-have” part of a successful total rewards strategy. This is because they can be an effective tool to alleviate the rising level of financial stress for employees that causes lower performance in the workplace.

Download this white paper now to get insights on the current status of the voluntary benefits marketplace and what is coming next. You will also learn more about:

• The impact of strategic benefits
• How to present voluntary benefits as a win-win
• Best practices for implementing an effective voluntary benefits program

Your clients continue to look to you for new solutions to improve financial wellness for employees. Help them understand why voluntary benefits may be just what they need.

Due to concerns about costs and wary of changing what seems to be working, employers often resist the idea of altering their dental benefits package even though different options could provide improved health outcomes, lower claims costs, and entice better job candidates. Understanding dental plan designs that serve an ever-evolving workforce can help you offer better coverage that your clients’ employees actually want to use.

Download this guide now for seven things to consider when helping clients re-evaluate their dental coverage, including:

• Why a variety of plan designs and incentives are necessary
• The importance of focusing on preventative care
• Improving health and reducing costs over time
• Why network size isn’t all that matters
• And more!

Help your clients (and their employees) get the most out of their dental options while still keeping their bottom line under control. Take steps now to ensure they get their money’s worth as well as excellent coverage.

Dental Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states.
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Professional Employer Organizations (PEOs) continue to see impressive growth as more small and medium-sized business owners seek outsourcing solutions to help with their HR difficulties. This can be a significant challenge for brokers since some PEOs compete for the same prospects and can take away current clients.

But not all PEOs want to hurt your book of business. Broker-Only PEOs work exclusively through their broker partners and could be the perfect solution for you and your clients.

Download this eBook now to learn about Broker-Only PEOs, how this partnership works, what it would mean for your clients, and more, including:

• The 3 different PEO sales models
• The benefits this partnership provides brokers and their clients
• How Broker-Only PEOs help protect and grow your book of business

Can a Broker-Only PEO partnership help you and your clients? Read this eBook and find out.

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!

The two biggest issues your clients often face are controlling the costs of benefits and attracting and retaining top talent. Addressing one may come at the expense of the other. For your clients, this issue may even be a larger worry than generating revenue. It is up to you to find alternative solutions to help clients solve these problems.

Download this infographic to get key facts about:

• The ripple effects of cost-cutting strategies
• Long-term consequences for recruitment and retention
• New ideas for how to help clients

Your clients can combat the burden of increasing health benefit costs because you can offer them alternative solutions!

The supplemental health insurance landscape is vast and continues to grow each day with the development of new types of plans. In order to best help your clients and their employees, you must be able to explain the similarities and differences between the different options. By equipping yourself with the right vocabulary and knowledge, you can point clients toward the best supplemental health solutions for them.

Download this eBook now for an overview of how supplemental health insurance works and the terminology you need to understand. After reading you’ll be equipped to discuss:

• The different types of supplemental health insurance and what each can provide
• The key differences between types of plans
• Reasons for adding supplemental insurance to a benefits offering
• And more…

Your clients all know the struggle to find qualified, top-tier job candidates in the open market. Recruitment and retention comes down to more than just salary. It must involve a stellar benefits package. Ensuring your clients have the benefits they need to entice the best executive-level employees to come and stay is critical to your role as a broker.

Download this white paper to find out how executive medical reimbursement plans can help meet your clients’ goals, even in a post-ACA world. 

The white paper will cover:

• The ACA and Excepted Benefits
• Key requirements
• Similar supplemental coverage
• Safe harbor criteria
• And more…

Discover how your clients can use these robust benefits to attract and retain strategic leaders.