Resource Center

New research reveals that COVID-19 is requiring many people to make difficult tradeoffs when it comes to healthcare. But the data also shows some positive signs. 

Among other things, Health Savings Accounts (HSAs) are helping Americans navigate unexpected costs. And the rise of telemedicine use could help people save even more.   

Download this eBook to see the latest research. You’ll get unique insight into healthcare spending and saving habits and learn strategies that can help support your clients.

What’s inside:

• Attitudes toward HSAs
• Saving priorities
• Trends among families with children
• Rise of virtual healthcare
• And more...

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As your clients look to provide benefits coverage while containing costs, it can be easy to forget about the role employee health satisfaction plays. It’s your job to make sure this important factor does not get overlooked as you help them design a benefits package. .

Download this case study for insights you can offer clients to demonstrate how employees that are more engaged in wellness programs are happier, which helps keep healthcare costs lower. You will also learn:

• Why it’s key for clients and their employees to have a wellness program with goals
• How wellness program engagement impacts  employees use of healthcare and claims
• And more… 

By providing fact-based evidence about wellness programs, you can ensure clients meet the unique needs of both their organization and employees.

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Due to the COVID-19 pandemic, telehealth services suddenly went from a “nice to have” to a “must have” benefit. However, just because your clients offer virtual care, it does not mean employees will use it or get to the point where it becomes a habit. If you can help clients overcome the obstacles to telehealth adoption, they will be able to drive more ROI from this tool.

Download this white paper now for insights into the 4 barriers to telehealth use among your clients’ employees and how to remove them. This includes:

• Boosting awareness and clarity
• Ensuring all employees have access to telehealth
• Ways to cut down the huge amount of questions that come with use
• How to remove skepticism regarding quality of care

PLUS – Get 5 practical tips on how clients can increase telehealth utilization today!

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Due to the COVID-19 pandemic, telehealth services suddenly went from a “nice to have” to a “must have” benefit. However, just because you offer virtual care, it does not mean employees will use it or get to the point where it becomes a habit. If you can overcome the obstacles to telehealth adoption, you will be able to drive more ROI from this tool.

Download this white paper now for insights into the 4 barriers to telehealth use among your employees and how to remove them. This includes:

• Boosting awareness and clarity
• Ensuring all employees have access to telehealth
• Ways to cut down the huge amount of questions that come with use
• How to remove skepticism regarding quality of care

PLUS – Get 5 practical tips on how you can increase telehealth utilization today!

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In these disrupted and unprecedented times, you need to help clients be proactive about keeping their leaders happy and productive. These executives and key leaders often have unique benefit needs and wants, and traditional, primary coverage often fails to fully meet them. Supplemental executive medical reimbursement plans can help, but you need to know the do’s and don’ts of compliance. 

Download this checklist now to get key details so you can help clients find a solution that checks all the compliance boxes. Topics discussed include:

• Why it’s not as simple as policy equals "insurance" 
• Potential costs of violating non-discrimination rules
• The importance of excepted benefits
• And more…

Take steps now to help clients get the coverage they need for their key employees while mitigating any compliance risks.

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While there is no way to know exactly how things might change this year, the reality is that remote work is not going away anytime soon. This means you must continue to adapt and change tactics so your clients still get what they need. It’s important to understand how COVID-19 changed the industry last year and how you can connect with clients moving forward, while ensuring stringent cybersecurity every step of the way.

Download this guide now to get tips to help you navigate the “new normal” and work better remotely. This includes:

• Understanding how legislation impacts you and your clients
• Ways to improve remote open enrollment when you start it this year
• How to ensure stringent cybersecurity measures are implemented
• And more… 

Take steps to make sure your clients’ experiences this year are as good as anything you did in person.

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As you look for ways to save money on healthcare costs, prevention programs become a key tool, and it makes sense to target some of the most common chronic issues, such as diabetes. Direct medical costs for employees with diabetes are 2.3x higher than those without. To reduce those costs it helps to rely on evidence-based programs that can enable real change.

Download this white paper now to get a better understanding of the National Diabetes Prevention Program and how you can see real ROI from offering it to your workforce. You will learn:

• Why diabetes continues to be a growing problem for many in your workforce
• What the specific costs can add up to
• Which steps empirical evidence shows to be successful

PLUS – get a calculator that will help you understand the potential healthcare cost savings for your individual organization!

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If 2020 was the year employers could no longer ignore workforce mental health, 2021 will be defined by how organizations handle the ongoing mental health crisis. The coronavirus pandemic not only upended how your employees live and work, it also brought more stress, depression, and anxiety that can easily affect productivity and effectiveness. Just like the virus, this all didn’t simply go away when the clock struck midnight on Jan. 1. 

Download this report for an overview of steps your organization can take now that awareness and demand is at an all-time high for mental health support. Topics discussed include:

• What it means to have comprehensive benefits that address the whole mental health spectrum
• Why measurement-based care results in better outcomes for employees and employers
• How you can tailor mental health services for underrepresented employee groups
• And more… 

As your employees look for ways to cope with the continuing stresses brought about by the pandemic and the economic fallout, help them understand they can rely on you for help that makes a difference.

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According to an analysis from Willis Towers Watson, year-over-year benefits cost increases could be as high as 7 percent. Meanwhile, benefits teams are managing an increasingly remote workforce amid ongoing uncertainty. 

Sometimes you can’t immediately cut costs. But you can find ways to extract greater value from existing initiatives.  

Download this eBook to uncover five strategies proven to help organizations lower their benefits costs. You’ll discover:

• Why FSA carryover can help maximize FICA tax savings
• How active open enrollment can create new opportunity 
• The value of HSA-qualified health plans 
• How to transform employee engagement 
• And more…

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The previous year and the coronavirus pandemic fundamentally shifted the way your clients and their employees get healthcare. As you help clients adapt to this paradigm shift, finding ways to help them manage their limited budget for healthcare, while avoiding passing along too many costs to their employees is key. This is especially critical when it comes to care for musculoskeletal conditions.

Download this white paper now for 5 trends in the musculoskeletal arena, as well as 5 benefit strategies to follow in 2021. Topics discussed include:

• The problems created by remote work’s sedentary lifestyle
• What the deferment of elective surgeries means for the bottom line
• Ways to focus on issues with the highest ROI potential
• How a more holistic and long-view approach helps
• And more… 

PLUS – 3 questions you need to ask when rethinking your approach to benefits this year.

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The previous year and the coronavirus pandemic fundamentally shifted the way your employees get healthcare. As you adapt to this paradigm shift, finding ways to manage your limited budget for healthcare, while avoiding passing along too many costs to your employees is key. This is especially crucial when it comes to care for musculoskeletal conditions.

Download this white paper now for 5 trends in the musculoskeletal arena, as well as 5 benefit strategies to follow in 2021. Topics discussed include:

• The problems created by remote work’s sedentary lifestyle
• What the deferment of elective surgeries means for the bottom line
• Ways to focus on issues with the highest ROI potential
• How a more holistic and long-view approach helps
• And more… 

PLUS – 3 questions you need to ask when rethinking your approach to benefits this year.

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As your clients begin to claw back from the damage wrought by the coronavirus pandemic, having alternative solutions that alleviate the financial  pressure of benefits is key. It’s important to remember that what was the case before 2020 is still the case today: clients continue to try and find a balance between protecting their bottom line and still offering employees affordable health benefits.

Download this guide for insights on how limited benefit medical plans can help clients, especially smaller businesses, protect workers from financial risks associated with injuries and illnesses. This includes assistance with common medical services, such as: 

• Office visits
• Outpatient testing
• Therapy
• X-rays
• And more… 

Discover how flexible plan designs, and the ability to bundle products together, will allow you to offer clients “best-in-class” options.

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More than ever leading organizations are emphasizing healthcare consumerism. But recent research from HealthEquity suggests there’s still a lot of work to do. Using data from a national survey of 1,500 Americans, a new study identifies critical insights that can help organizations promote savvier healthcare consumerism.

Download this white paper now and discover strategies your clients can use to help their people save more, spend smarter and effectively navigate modern healthcare.

What’s inside:

• Trends in consumer behavior
• Ways to optimize HSA plan design
• How telehealth is changing medicine
• The power of price transparency
• And more... 

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Everyone knows the COVID-19 pandemic transformed how your clients and their employees engage with their healthcare and benefits. But it’s hard to know exactly what they want in this new environment. For direction, it helps to examine data sourced directly from employers and consumers on what they find most important when it comes to benefits in 2021.

Download this white paper now to get insights from a wide range of consumers on how the coronavirus pandemic changed their behaviors and what they expect in the future. This includes:

• An increase in overall behavioral health and telemedicine inquiries
• The top 3 areas where clients’ employees ask for help
• Two new emerging trends that will shape employer benefit strategies

As you help clients craft packages in 2021, make sure you account for what people want now so all parties remain satisfied.

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After unprecedented turmoil in 2020, savvy advisers and employers are already shaping their benefit strategies for productivity and recovery in 2021. You want to make sure your tactics match the new priorities of clients and their employees that resulted from the past year. As you look to define your focus this year, it’s helpful to examine key trends and emerging needs influencing the employee benefit landscape.

Download this white paper now to learn how to help clients build a more resilient workplace in 2021, giving employees what they need and want. Trends and strategies discussed include:

• How much mental health matters now
• Ways to combat increasing financial strain
• The importance of protecting leadership
• Why benefit flexibility is essential

As you shape your plans for the year, ensure you know what your clients and employees expect so you can help reduce their burdens.

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The COVID-19 pandemic continues to put enormous pressure on organizations to do more with less. According to an analysis from Willis Towers Watson, rising healthcare claims could mean year-over-year benefits cost increases as high as 7 percent. At the same time, mounting revenue loss will restrict budgets well into the future. Clients are looking to benefits advisors to help them find a way forward.

Download this white paper to uncover six strategies proven to help organizations reduce benefits costs. You’ll discover:

• Why FSA carryover can help maximize FICA tax savings
• How active open enrollment can create new opportunity
• The value of exclusively offering HSA-qualified health plans
• How bundling benefits can unlock economies of scale
• And more…

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You often spend nearly a third of your total employee compensation on benefits, but it’s unclear how much value you’re getting for your investment. Fortunately, you’re in a position to create a benefits strategy that keeps the employee perspective at the center of planning and implementation. 

Download this white paper now to get a roadmap so you can achieve your benefits goals and overcome challenges unique to your needs. You will receive: 

• A 6-step process to increase employee engagement
• 9 key questions to make sure you’re aligned with your broker
• A checklist with 4 elements to ensure a rock solid benefits plan structure
• And more… 

Disengaged employees can cost you in lost productivity and missed growth opportunities. Discover how to encourage sustainable, healthy, and financially sound behaviors for your employees.

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Your clients often pay nearly a third of their employees’ total compensation for benefits, but it’s unclear how much value they’re getting for this investment. Fortunately, you as a broker can create a benefits strategy that helps your clients keep the employee perspective at the center of planning and implementation. 

Download this white paper now to get a roadmap so you and your clients can achieve their benefits goals and overcome challenges unique to their needs. You will receive: 

• A 6-step process to increase employee engagement
• 9 key questions to make sure you’re aligned with your clients
• A checklist with 4 elements to ensure a rock solid benefits plan structure
• And more… 

Disengaged employees can cost your clients in lost productivity and missed growth opportunities. Discover how to encourage sustainable, healthy, and financially sound behaviors for your clients and their employees. 

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While the pandemic has physically closed off your employees from one another, it also opened minds to the urgent need to address unfolding challenges. Workers are more focused on work/life balance, healthcare access, and overall health and mental well-being. This sets the stage for what to expect in 2021.

Read this article now to get an overview of 5 crucial health and wellness trends you should consider when planning in the new year. These include:

• Caring for the whole person
• Uniting strategies for people and the overall business
• Continued reliance on telehealth 
• A renewed focus on behavioral health benefits
• Entwining social responsibility with health and wellness

While the upheaval brought by 2020 may fade in 2021, the changes it spurred will not suddenly go away. Stay on top of the long-term ramifications and help your organization lead the way.

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While the pandemic has physically closed off your clients' employees from one another, it also opened minds to the urgent need to address unfolding challenges. Workers are more focused on work/life balance, healthcare access, and overall health and mental well-being. This sets the stage for what to expect in 2021.

Read this article now to get an overview of 5 crucial health and wellness trends you and your clients should consider when planning in the new year. These include:

• Caring for the whole person
• Uniting strategies for people and the overall business
• Continued reliance on telehealth 
• A renewed focus on behavioral health benefits
• Entwining social responsibility with health and wellness

While the upheaval brought by 2020 may fade in 2021, the changes it spurred will not suddenly go away. Stay on top of the long-term ramifications and help your clients be better leaders.

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Your clients and their employees continue to look for better connectivity, giving them what they need when they want it is key. Healthcare is set to undergo a huge change in the way it’s delivered and you must be part of the solution for your clients. One way to see how things might change, and how you can help break down barriers, is to examine what FinTech did successfully in terms of user experience.

Download this white paper now for 5 best practices on how to provide a better healthcare experience for your clients’ employees. This includes looking for solutions that:

• Recreate, instead of just redesigning the care experience
• Adopt a “mobile-first” approach
• Ensure patient data protection and privacy
• Address multiple needs at once
• Remain affordable

Find out how having a vested interest in virtual health can ensure you help change the industry and better serve your clients.

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For many of your clients and their employees these days it can feel like they are paying more for health benefits while getting less. This is especially the case for smaller clients or those who are self employed since they often choose to shop on the federal or state health insurance exchanges. However, you can help them with creative plan design that gives them proper coverage while protecting their bottom line.

Download this white paper now to learn about innovative options you can present to your smaller clients to show your true value. Help them find non-traditional plans that are better than what’s on the exchanges. You will discover:

• How to keep clients from feeling like they have to do it all themselves
• What the right coverage could look like for smaller businesses
• How you can get training and support for offering these types of plans

Once your clients wake up to the real cost of care in a free market, they will be more willing to embrace affordable and practical methods to manage risk and access health care.

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Your employees continue to look for better connectivity, giving them what they need when they want it is key. Healthcare is set to undergo a huge change in the way it's delivered and you want to ensure your workforce is getting the best experience possible. One way to see how things might change, and how you can help break down barriers, is to examine what FinTech did successfully in terms of user experience.

Download this white paper now for 5 best practices on how to provide a better healthcare experience for your employees. This includes looking for solutions that:

• Recreate, instead of just redesigning the care experience
• Adopt a “mobile-first” approach
• Ensure patient data protection and privacy
• Address multiple needs at once
• Remain affordable

Find out how having a vested interest in virtual health can ensure you help change the industry and better serve your employees.

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Having happy, healthy, and productive employees is key, which is why companies are looking for ways to fill coverage gaps for their employees. However, not all gap-fillers are created equal. It’s important to understand how various options stack up when evaluating the balance between coverage, cost, and effectiveness.

Download this infographic now to get a closer look at HSAs, voluntary plans, and innovative supplemental benefits in a side-by-side comparison that shows a clear winner. You will get details on:

• Employee eligibility 
• Waiting periods
• Enrollment flexibility
• And more… 

No matter the budget clients have available, you can work with them to find options to meet their unique needs (even for different groups of employees).

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While many employer clients are aware opioid dependency is a problem, they may not know the pathway that leads workers to opioid misuse: chronic back and joint pain – and how big of an issue it is amongst their own employees. Especially now that many employees are working remotely and dealing with a variety of new causes for chronic pain, opioid dependency may lead to major problems for your clients.

Download this white paper to help your clients understand the magnitude of the problem and identify solutions. This includes:

• How clients can disrupt a common pathway from chronic pain to opioid misuse
• Productive ways clients can help employees manage pain in smarter, safer ways
• Tactics that can save employers and workers money by avoiding surgeries

PLUS – Get details on how one major employer tackled the problem so you can help clients duplicate their success and avoid mistakes.

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While you may be aware opioid dependency is a problem, you may not know the pathway that leads workers to opioid misuse: chronic back and joint pain – and how big of an issue it is amongst your employees. Especially now that many work remotely and deal with a variety of new causes for chronic pain, opioid dependency may lead to major problems for your organization.

Download this white paper to understand the magnitude of the problem and identify solutions. This includes:

• How you can disrupt a common pathway from chronic pain to opioid misuse
• Productive ways to help employees manage pain in smarter, safer ways
• Tactics that can save both you and your workers money by avoiding surgeries

PLUS – Get details on how one major employer tackled the problem so you can duplicate their success and avoid mistakes.

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Even as you face evolving employer demands, such as healthcare cost control and limited compensation budgets, it’s important to stay strategic. This is especially crucial now when it’s harder to meet with clients face-to-face. Easy solutions that help clients fill coverage gaps quickly are key. Since one-size-fits-all primary plans can’t solve many client problems, you simply don’t have the time to waste searching for innovative solutions.

Download this guide now for four quick plug-ins to keep in mind so you can strategically protect clients from the pain of primary medical plan changes with flexible and robust options. They include:

• Ways to solve business issues – proving your value
• Helping clients find creative ways to boost compensation
• Tactics to help clients retain and reward critical talent (including high-turnover positions)
• Showing clients how to unlock cost savings for primary plans by planning ahead 

As you juggle a wide range of client needs, you must stay proactive and find ways to offset what might be missing from new primary plans.

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As primary plan coverage shrinks, coverage gaps widen and employees face rising out-of-pocket healthcare expenses. Your clients can’t afford to ignore this reality. Innovative supplemental insurance can help them offer more valuable support to employees at all levels while managing costs. These plans offer coverage for life’s routine and unexpected healthcare needs. 

Download this infographic now to show clients a side-by-side comparison. See the coverage difference for one employee with innovative supplemental benefits and another with only a primary plan, including the cost when a client’s employee: 

• Breaks a leg
• Needs mental health support
• Requires dental work

Get the facts about gaps in coverage, so your clients can leverage the power of innovative supplemental healthcare insurance plans to make better benefit decisions. 

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Reducing employees financial stress, keeping benefit costs stable and enhancing benefit packages are key for employers to maximize the value of their benefits strategy. Brokers are in lockstep, working to devise innovative benefit packages that meet these goals. Explore these resources from MassMutual to help your clients charter a path towards long-term financial security.READ LESS ›

Offer employees an additional wellness benefit at no cost to the employer.READ LESS ›

Imagine how your book of business would change if you could introduce clients to a high-performing, self-insured healthcare plan without additional risk. Pareto Health opens up a world of possibilities—both for mid-sized employers and top-tier consultants seeking to differentiate themselves in a crowded market.

The best stop-loss in the industry protects clients from the year-to-year volatility traditionally associated with self-insurance. With over 325,000 enrolled employees and $410M in stop-loss premium, Pareto has the size and scale to:

• Back a multi-year, no new laser policy 
• Deliver on a 30% rate cap commitment  
• Provide forward protection for large, ongoing claims
• Spread risk and large claims in ways that competitors cannot

Download this infographic to help clients buy the right amount of insurance—and win more business with stronger stop-loss. 

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Many of your clients turn to high deductible health plans (HDHPs) as a way to contain healthcare costs, especially since the pandemic put a crunch on budgets. But as primary coverage shrinks, and coverage gaps widen, your clients’ employees face new and serious financial hardships. As all parties struggle to fund HSAs, clients look to you for better options to help their employees.

Download this infographic now to get a comprehensive look at data that shows growing gaps created by high deductibles. You will get a better understanding of:

• The financial risk for clients and their employees
• What employees are most concerned about
• The hidden costs that can come back to bite employers
• How to close the coverage gaps

Act now to help your clients learn how to spend less and provide more through smart reallocation. Give them a range of options to satisfy employees at all levels.

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As you and your clients grapple with current and future unknowns, the #1 tool in your arsenal is benefit flexibility. Offering options that cater to a wide range of employer needs, employee levels and budgets is key. 

Download this infographic now for five benefits planning considerations to ensure each client gets a benefits package that meets their specific needs. These considerations include:

• Timing of plan changes
• The business problems any plan changes would address
• Which employees would get access to certain benefits
• And more… 

Just because the COVID-19 pandemic has created chaos for many employers, benefits coverage doesn’t have to be a pain point. Staying agile and willing to change when your clients encounter challenges can result in better coverage for employees and savings.

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Wild swings in healthcare and insurance costs have made a mess of traditional approaches to employee healthcare — and resulted in a marketplace ripe for disruption. Most mid-sized clients are either fully-insured (over-insured) or self-insured (under-insured), and many are tired of chasing the cheapest rate and changing carriers every year. But what if there were a way to serve as a long-term strategy partner and help clients buy just the right amount of insurance? Spoiler alert: there is.

Download Pareto Health's white paper to learn how to reduce healthcare costs and year-to-year volatility with captive insurance. You will also discover:

• How to break your mid-sized clients out of a vicious cycle
• How to grow your business by 40%
• How captive insurance is redefining healthcare delivery as we know it
• How Pareto’s captives help brokers differentiate themselves from their competition content with the status quo

Unprecedented times call for innovative insurance. There has never been a better time to be a trusted advisor — with unparalleled access to Fortune 500 level cost containment tools for a largely untapped part of the market. 

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Since this year’s traditional benefits planning cycle has been completely upended, you must find ways to adjust and continue to add value to your client relationships. Adding flexible solutions to your portfolio so you can guide clients through this time of uncertainty and address their unique needs is key. This may mean helping them during off-cycle times and looking at their benefits options through a different lens.

Download this infographic now to get a how-to guide for increasing flexibility in the benefit planning cycle with innovative supplemental insurance solutions. You will learn how to avoid traps, including:

• Once-a-year planning
• Getting stuck in cost conversations
• The pain of plan changes

Discover how flexible timing, coverage and support gives you the power to help clients of all sizes and budgets. Use this strategy to show clients how they can increase their resilience and why they can rely on you in this difficult environment.

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Carve-out coverage is a powerful way to help manage overall health plan costs. But what is carve-out coverage and how is it compliant? The key is understanding excepted benefits. 

Access this interactive infographic now to get insights on the four categories of excepted benefits:

1. Secondary or incidental benefits
2. Limited-scope benefits
3. Independent, non-coordinated benefits
4. Supplements to certain primary health coverage

Excepted benefits are exempt from many of the federal laws regulating primary health plans, such as nondiscrimination rules, enabling them to be offered on a carve-out basis. Discover how your clients can leverage carve-out coverage to find the right balance between offering valuable benefits and meeting their budgetary goals.

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These times are unprecedented, and the future appears rocky. It’s hard to know what client needs will come your way. As the coronavirus and economic crises continue to unfold, clients may need to pivot or address specific needs. You can be ready to help them make the right benefit changes for their businesses and their employees. Prepare with creative new strategies to meet these new and unpredictable needs. 

Download this how-to-guide to be ready to meet clients where they are now and where they will be next year. One way to do this is through employer-paid supplemental insurance plans. These solutions can help address client needs and:

• Soften the impact of unanticipated primary medical plan changes
• Control costs by leveraging tax efficiency*
• Address specific problems or needs during and after this time

By offering flexibility and helping clients adapt to the changing environment, you can show your value and enhance your relationships in an uncertain time.

 

*This is not local, state or federal tax advice as each person and company is unique. It is recommended that you seek the independent counsel of a professional tax adviser.

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In this time of uncertainty, your clients feel more overwhelmed than ever. They likely don’t have the bandwidth to sort through different supplemental health options before their upcoming open enrollment. To help them, you need to be able to explain the distinctions between benefits options, and understanding and translating the vocabulary can make a big difference. For example, do your clients know about employer-paid supplemental plans and how much more it can cover? Armed with this knowledge, you can point clients toward solutions that work better for their unique organizational needs and employees. 

Download this guide now to get insights on how supplemental health insurance works in theory and practice, and the terminology you need. You will be able to explain to clients:

• What types of supplemental health insurance exist
• Key differences between types of plans, as well as the advantages and disadvantages
• Why adding supplemental insurance to what they offer to employees makes sense
• And more… 

Use this guide to direct your clients to benefits that are right for their organization. This can help them reduce expenses while still providing employees the coverage they need.

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When trying to help clients understand different supplemental health options, sometimes it’s best to go back to basics. If you are able to point to individual examples, you can show the specifics of how different types of plans help their employees remove any gaps in coverage. This approach also helps you demonstrate that all plans are not created equal and which choices are best for their organization and employees.

Download this infographic now for a simple way to show clients a direct comparison of two people with the same medical conditions and different supplemental health coverage. You will help clients to understand:

• How various plans cover medical expenses differently 
• Why expense reimbursed insurance plans can help both clients and employees
• Ways to leverage their new knowledge to protect their bottom line 

Sorting through the wide variety of supplemental health options can be confusing and overwhelming. Help your clients cut through the clutter with this tool so their benefits options will best serve their employees.

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