Resource Center

Job burnout has become a crisis hurting employers with employee absenteeism, low morale, diminished commitment, dissatisfaction with job performance, job-hopping and increased healthcare spending. Download this white paper and learn how to help your employer clients offer a behavioral healthcare solution to tackle employee burnout head-on.

Topics discussed include:

• What is workplace burnout?
• The impacts of burnout on mental & physical health
• Top 5 high-burnout industries
• The efficacy of behavioral health & overcoming barriers
• How telebehavioral health can help

When it comes to employee benefits programs, cancer detection and care are evolving. In this overview of the current cancer landscape, benefit leaders at self-insured employers can learn more about what benefits exist to help you and your employees navigate an increasingly complex oncology landscape. In the guide, you’ll learn more about:

• The burden of cancer today
• The implications of that burden on self-insured employers
• Solutions available to help you and your employees be more proactive about their health, including the breakthrough Galleri® multi-cancer early detection test

COVID-19 has altered the 2020 healthcare landscape as many analysts now predict a net-decrease in costs for 2020. However, this trend will be short-lived as the prognosis for 2021 and beyond is much worse.

These realities will likely significantly impact 2021 budgets and the savings from 2020 will not be sufficient to offset these upcoming cost increases. With this in mind, you must consider strategies to directly address impacts on healthcare cost and access to care to mitigate long-term effects of the pandemic.

Download this white paper to get a better understanding of what you can expect to change as the coronavirus continues to cast a shadow over healthcare so you can budget accordingly. You will learn: 

• 4 healthcare cost scenarios employers should be concerned about
• Predicted healthcare cost impact models
• Strategies that impact the healthcare cost problem

As most of the world continues to react to the pandemic, take the opportunity to be proactive and prepare your business and employees for what’s to come.

Pharmacy is the most frequently utilized healthcare benefit. With pharmacy spend expected to increase almost 6% in the next 10 years, it’s important to regularly assess the effectiveness of your existing pharmacy program and PBM performance to help ensure you are getting the most from your pharmacy investment. Download this guide and learn:

How your organization can control health benefits costs

• 7 considerations to review
• How frequently you should review
• When to have a conversation with your PBM
• How to negotiate your PBM contract renewal to improve benefits & savings

Healthcare in the U.S. costs too much. We all know that. Poor-quality healthcare directly affects the quality of life for your employees which directly leads to less work and productivity. Pointing your employees to high-quality doctors pays off for everyone.

Download this ebook to explore the immediate benefits of empowering your employees to become smarter healthcare consumers. Topics discussed include:

• Data-driven strategies to control runaway healthcare costs

• The hidden variation in doctor practice patterns and why quality transparency is so useful to employers.

• How to effectively use actionable, objective doctor quality analytics to make informed healthcare decisions

• Why curbing unnecessary, inappropriate healthcare is key to reducing overall spend and improving outcomes for employees and their families

Identity and privacy threats quickly evolve and are often hidden in everyday objects, from your voice assistant to your “smart” doorbell. The more devices, the more gateways there are for hackers to invade your privacy. And as time goes on, fraudsters devise increasingly stealthy ways to steal personal information—and your company’s data.

Download the guide and discover:

• The 8 most recent security threats to be aware of
• Detection strategies to prevent web fraud
• 4 steps to protect you, your employees and your company
• How 24/7 threat monitoring & alerts can help
• And more!

It’s a tough time for HR leaders. From the pandemic to the Great Resignation and the war on talent, HR pros are facing unprecedented challenges – all at once. Like oxygen masks on a plane, it’s important to make your safety your first priority before helping others. 

This article is for you and about you - the HR professional. Download it now and learn:

• 7 concrete steps to prevent burnout
• 3 methods to help you set your r priorities
• 3 daily habits that will improve your mood
• 4 coping strategies for work overload
• And more!

Identity and privacy threats quickly evolve and are often hidden in everyday objects, from voice assistants to “smart” doorbells. And as time goes on, fraudsters devise increasingly stealthy ways to steal personal information and company data.

Download this quick-reference guide to help your clients and their employees detect and protect against security threats. Topics discussed include:

• 8 most recent tech threats to be aware of
• Detection strategies to prevent fraud
• 4 steps to protect both individuals and the company
• How 24/7 threat monitoring & alerts can help
• And more!

No matter how you slice it, knowing the numbers is essential when it comes to making informed decisions. Whether you’re vetting a new product, analyzing a current client’s needs, or reviewing a section of the tax code, the benefits industry is filled with numbers.

We know how important it is for you to stay in the know, that why we’ve compiled some of the most important numbers influencing the benefits industry today, all in one place.

Check out the benefits numbers you need to pull out of your back pocket in your next meeting!

Access the cheat sheet now!

As the lines between work and life get blurrier every day, working parents often bring challenging questions to you and your HR department. How you approach these conversations is crucial. You want to make sure you represent your workplace’s priorities while showing a deep understanding of what your employees who are parents are going through. 

Download this guide to get pointers from a professional career coach on what you should and should not do during these meetings. This includes: 

• Focusing on the well-being of your working parents
• Ensuring employees don’t feel the need to  apologize for their family
• When to listen and when to problem solve
• And more… 

As you find new ways to help your employees with children stay productive and satisfied, make sure you avoid pitfalls that can make them feel torn between work and family.

It’s likely that a majority of your workforce is made up of working parents, so it’s important to ask: What is your company doing to support them? If you have the right benefits in place, it can prevent employee burnout, as well as increase retention and revenue. That’s why it’s essential to know how your policies stack up against the world’s best, as outlined in the largest-ever working parents study.

Download this report now to understand that when the coronavirus pandemic ends, it’s not enough to just go back to the way things were. You must redefine what working parenthood looks like and shape a more sustainable and equitable future. You will also:

• Get industry benchmarks and see how your company compares with others 
• Learn which benefits are key differentiators
• Discover how you can see 5.5x more revenue growth with the right benefits and policies

Juggling work and parenthood is never easy, and the pandemic has pushed many Americans to the breaking point. Find out how you can make a difference.

Your employees who are working parents may be at a breaking point. According to a recent Maven survey, close to 60% of parents do not feel supported by their employer. And the latest Census research reveals that 31% of women and 12% of men ages 25-44 with children have left the workforce since COVID-19 because of a lack of child care. This means it’s no longer enough to simply offer flexibility. 

Download this checklist now for ideas gathered from HR leaders at top companies to help improve employees’ health, well-being, and productivity during the pandemic and beyond. You will learn: 

• How to arm your people managers with the right tools to make parents feel supported 
• Policies, training, and communications tips to bring to your company
• 8 of the best practices for supporting working parents 

Get guidance from leading workplaces to ensure employees with children can stay balanced and focused.

Filling critical roles in today’s competitive climate is a top challenge facing HR leaders. Companies looking to attract top talent in 2022 need to step up their game if they want to get the best of the best. Download this guide for tips to attract and retain talented workers, including how to:

• Improve your health benefits package
• Rethink the candidate experience
• Make your employer branding stand out
• Embrace the future of remote work
• Invest in professional development and training

Clients want to know their self-funded benefits plan will put caring for their business (and the health of their employees and their families) first. And you know how much effort goes into the self-funding decision: you’re beside your clients every step of the way providing careful analysis, extensive planning, exhaustive evaluation and thoughtful guidance. Getting them across the finish line is followed by a prudent cycle of assessments, evaluations and adjustments. 

Be that outstanding broker who applies passion and professionalism to help your clients maximize their cost savings, customize their self-funded health plan and get the better experience they want. Download this guide and discover:

• 8 topics for periodic review sessions
• 5 client needs to consider
• How to evaluate self-funding models
• 3 options to propose to improve plan performance
• 5 client relationship-building tactics

Get in-the-know with this quick reference guide. It’s a handy resource that breaks down the two types of supplemental coverage—worksite voluntary and employer-sponsored—and the key differences between the two. By mastering your knowledge of supplemental health insurance with this handy resource, you can be ready to tackle your clients’ problems head on. 

Take your supplemental health insurance knowledge to the next level. Download your quick reference guide now!

Virtual care offers incredible power and potential for small employers. Done well, it can address many of the healthcare challenges organizations face, such as improving affordability, connecting people to the appropriate level and combination of care, and increasing engagement in care management programs. Yet even the most innovative employers have only begun to realize the potential of virtual care. 

Wherever your clients’ organizations are in the virtual care journey, an ability to articulate goals, identify gaps and recognize opportunities can help them realize its full potential. Download this white paper for some ways to help them get started, including:

• 4 things to consider for a long-term virtual benefits strategy
• Determining the impact of virtual care on health outcomes, satisfaction & costs
• 5 action steps to advance their virtual care transformation
• And more!

Today’s HR professionals have the power and responsibility to help diminish cyber risks to employees and their company. A new spectrum of benefits including those that can protect employees’ identity and privacy are becoming a standard way to foster a culture of security and help do just that. 

Download this white paper and learn about:

• Top cyber risks to employees
• How employees expose personal & company information
• 6 key features of effective protection
• Tackling cyber threats with privacy-focused identity protection benefits
• 6 best practices to protect your employees and organization against cyber risk

In today’s world of data breaches, hackers, and identity thieves, employers face a constant battle protecting their employees’ privacy and company’s sensitive data. However, 44% of breaches are caused by employees. This means that HR professionals need to foster a culture of security within their organization which starts by providing employee benefits that offer an effective, efficient way to mitigate both personal and business cyber risk.

Download this shareable white paper and learn how to help  your clients do just that. Topics discussed include: 

• Top cyber risks to employees
• How employees expose personal & company information
• 6 key features of effective protection
• Tackling cyber threats with privacy-focused identity protection benefits
• 6 best practices HR leaders can implement to protect employees and their organization  against cyber threats

It may be hard for your clients to offer their employees competitive benefits like health and ancillary benefits in a cost-effective way. They also want to focus on their businesses and not get bogged down with HR responsibilities. PEO’s (Professional Employer Organizations) could be the answer for small- or medium-sized businesses - not only granting access to  benefits typically offered only to  larger organizations, but also helping them handle time consuming HR tasks. Referring your clients to the right PEO can show your value as a broker. 

Download this white paper and discover how a PEO can allow your clients to focus on the most important elements of their business. You’ll also learn: 

• How your clients can gain access to high-quality benefits and wellness perks affordably
• How you can broaden your benefits portfolio and unlock a new revenue stream with no broker of record changes
• What you should look for in a PEO for your clients
• The difference between a PEO and a certified PEO (CPEO)

According to the Wall Street Journal, only 39.4% had used telehealth before the COVID-19 pandemic. That number has more than doubled today, with 79.5% of consumers having used virtual care to access needed services. Telehealth improves access to high-quality healthcare and significantly cuts the time it takes to get treated. As a result, employers can save big on overall healthcare costs.. 

Download this white paper and help your employer clients offer digital health benefits that bridge the gap in health equity and learn about:

• Benefits and opportunities for telehealth expansion
• How virtual care is improving access to mental health care
• 3 downsides to digital health
• 5 ways to close the digital health inequity gap
• How employers can reduce their health benefits costs

In today’s fiercely competitive hiring environment, your clients may be concerned about losing their key talent. Employers want to keep their employees content, productive and loyal. However, the HDHP strategy might be putting too much of a financial burden on them. One solution that has been known as the foolproof way to address the coverage gaps of HDHP is HSAs. But, do they really measure up? And how can you make your HDHP/HSA strategy better to help enable employees' satisfaction?

Download this guide to peel back the curtain and understand the once-ideal HDHP/HSA strategy and how to improve it. 

• The issues that often come with HDHPs that can lead to dissatisfaction from employees
• 3 typical shortfalls of HDHP/HSA strategies
• Information on how supplemental coverage can help make the HDHP/HSA combination work better for clients and their employees

Nearly 38 million Americans quit their job in 2021 amidst the Great Resignation, and the talent market could potentially get tighter in 2022¹. Recruitment, retention and competitive benefit packages are the most significant challenges your clients are navigating today. As a broker, and more importantly a trusted partner to your clients, you are in a unique position to help guide them through these turbulent waters. 

Watch this on-demand webcast to better understand these challenges from your customer’s perspective and gain creative ideas to help your clients adapt to the shifting workforce environment. Topics covered include:

• Understanding your client’s biggest concerns of 2022
• How a strong benefits package helps to address client pain points
• The importance of clients staying relevant with their benefits package
• How to help clients remove healthcare barriers to support the work culture they desire

¹ https://www.businessinsider.com/how-many-why-workers-quit-jobs-this-year-great-resignation-2021-12

HR professionals spend an average of nine hours per week fielding questions about benefits. The truth is: you don’t have resources to dedicate to this and navigating healthcare benefits is stressful and overwhelming for your workforce. This white paper explores how you can help employees understand their healthcare benefits, keep them healthy, productive and eager to stay, while not draining your team’s resources.

Download the white paper now and learn:

• Obstacles that are keeping your employees from fully utilizing their healthcare benefits
• How healthcare benefits improve business outcomes
• An approach that will help your workforce better engage with their healthcare benefits 
• How to remove the burden of benefits administration from your team
• And more!

What is carve-out coverage and how is it compliant? The key is a deeper understanding of excepted benefits. Excepted benefits are exempt from many regulations around primary insurance health plans, such as nondiscrimination rules.

Access this interactive infographic which explains the four categories of excepted benefits and how smart supplemental health insurance solutions fit into them.

Download a Closer Look at Excepted Benefits. 

ArmadaCare’s supplemental health insurance policies are underwritten by Sirius America Insurance Company and Transamerica Premier Life Insurance Company. Insurance plans and coverages vary by state. Please contact us to confirm state availability.

On average, people living with one health condition tend to have two or three others. To address this trend, companies must seek a comprehensive solution that can support a wider range of health and well-being needs for employees. This case study explores a simple, whole-person solution that improves clinical results, reduces costs, and provides a positive experience and greater value for the people it serves, as well as the employers providing the benefits. 

Download it to discover how you can help clients:

• Make it easy for members to enroll in multiple health & well-being programs
• Improve employee engagement & retention 
• Provide support & accountability 
• Drive adherence to care plans 
• Add value to their benefits packages
• And more!

The benefits landscape is more confusing today than ever before, but it’s also never been more essential. From finding new ways to communicate with employees to embracing innovative solutions, human resources processes have shifted toward enhancing the human element of HR while adopting new technologies and strategies. Easing the burden on HR staff gives your partners the opportunity to focus on other important initiatives from benefit selection to enhanced onboarding; and create endless opportunities for their business.

Download the ebook to learn how to:

• Enhance the human element of HR
• Embrace benefit technology that transforms
• Engage employees with personalized benefits
• Free up valuable HR resources
• Communicate effectively through technology

Your workforce likely resembles a family tree, with four generations of employees who have their own perspectives and experiences that guide their habits. Yet, despite their differences, each demographic has two key factors in common: (1) they use technology and (2) they often use only a few passwords for many logins. This means one hacked password can expose both personal and corporate information.

Download this guide now to understand the risks, behaviors, and attitudes of each generation that your organization employs. This includes:

• What Baby Boomers understand about identity and privacy risks
• What Gen Xers expect from their employer for protection
• Why, despite their hyperconnectivity, Millennials lack awareness
• How Gen Z is just as vulnerable to digital threats as any other age demographic

Discover comprehensive and intuitive protection programs that address each generation’s unique needs.

Your clients’ workforce likely resembles a family tree, with four generations of employees having their own perspectives and experiences. Despite their differences, each demographic has two key factors in common: (1) they use technology and (2) they often use only a few passwords. This means one hacked password can expose both personal and corporate information.

Download this guide to understand the risks, behaviors, and attitudes of each generation that your clients employ. This includes:

• What Baby Boomers understand about identity and privacy risks
• What Gen Xers expect from their employer for protection
• Why, despite their hyperconnectivity, Millennials lack awareness
• How Gen Z is just as vulnerable to digital threats as any other age group

Discover comprehensive and intuitive protection programs that address each generation’s unique needs.

In today’s tight talent market, primary plans alone aren’t going to cut it. Tailored benefits give employers and talent a win-win that can also close troublesome coverage gaps, ease financial strain and enhance access to care and support.

This trending guide explains how advisers and employers can create benefits employees will love in 2022 and beyond by:

• Protecting recruitment
• Boosting retention
• Supporting well-being
• Meeting changing norms and more

Download the latest guide on benefits trends in 2022 today!

Your clients are constantly facing new challenges and need to pivot quickly in the evolving benefit world, including access to virtual care, support for mental health and financial well-being. This is your chance to be equipped with innovative, flexible solutions that tackle today’s biggest problems. It all starts by asking the right questions.

Download this guide now to understand how you can add value, and how to start important conversations with clients. This includes asking 6 key questions that will open up communication, such as:

1. “How has employee turnover changed or increased recently?”

2. “What employee groups are especially difficult to recruit?”

3. “What are you hearing from employees?”

4. And more…

Show clients how they can offer better benefits without breaking the bank!

What’s your type? You know, your consulting type. What category would you put yourself in?

Knowing more about your type can help you introduce new tools to make benefit planning and strategizing easier. This is a priority right now, as emerging employee needs and continued uncertainty demand a fresh approach.

Download this guide on broker types for ideas that can help you go further with clients—and be the problem-solving partner they really need.

In a competitive labor market with an unprecedented level of turnover, it can be especially challenging to retain and recruit the right people. Forward-thinking employers that adopt a strategic approach to talent management take a wide view of the candidate-to-employee cycle, continually looking to recruit, retain and reward their people. As a result, these organizations build a solid pipeline for talent and a robust retain-and-reward approach.

Download this guide to learn how you can boost your benefits to:

• Create more bench strength
• Drive higher employee engagement & lower staff turnover
• Reduce recruitment costs
• Shore up coverage to alleviate employee financial strain
• And more!

Expanding benefits in 2022 doesn’t have to come at a higher cost. Though you may feel pressured to offer better benefits and increase member engagement, there is an approach that has proven key to bolstering benefit offerings, simplifying the healthcare journey, improving engagement and lowering costs.

This eBook explores how healthcare advocacy solutions can help you do just that. Download now to learn more about:

• The expected increased demand for medical services in 2022
• Proven strategies to mitigate soaring employee healthcare costs
• How healthcare advocacy helped a publicly traded company save $9.4 million
• A solution to increased engagement and a high member satisfaction rating
• How to help employees make better decisions driven by objective quality and cost data

In 2019, $100 billion was spent on elective surgeries. However, up to 30% of those surgeries were avoidable. Through appropriate employee education, these unnecessary procedures can be avoided, saving your organization money from reduced absenteeism and lower health insurance claims.

Download this infographic to learn how shared responsibility in a decision support program leads to:

• Reduction in elective surgeries
• Better employee choices
• Increased employee satisfaction

The pandemic fundamentally changed the way Americans access healthcare. It’s now clear that virtual care is more than a stop-gap solution and it’s now an indispensable part of what clients and their employees expect. When used effectively, you can leverage telehealth to strengthen client relationships and provide valuable counsel. 

Download this guide now for insights to help you and your clients choose the right telehealth partner. This includes the importance of eight key items, such as:

• Comprehensive care with benefits that don’t get lost in the shuffle
• Ensuring all care is high quality with continual monitoring and premier providers
• Competitive pricing and health equity
• And more…

Help clients sort through the plethora of options and find a solution that is tailor made for each of your groups. 

As the pandemic continues to drag on, many clients find themselves struggling to keep things going while still offering quality healthcare benefits to employees. This is not a new problem. Long before the pandemic, many people were underinsured either because out-of-pocket costs were too high, or because their employer simply couldn’t afford health coverage. The goal should be to make it so people don’t have to choose between physical health and financial stability. To make this happen for clients of all sizes, embracing a creative plan-design solution is key.

Download this guide to discover how to ensure clients and their employees get the most out of first-dollar, or no-deductible, health options and how it can stop the avoidance or delay of care. You will also learn:

• Why first-dollar coverage makes a difference and how it works
• How clients can avoid the more traditional, expensive options
• Tactics for creating a health plan that saves money

Get rid of the no-win health care situation for clients and employees.

COVID-19 elevated the conversation about well-being in the workplace, highlighting the connections between physical and mental health and the need for a holistic approach. Many companies are responding to this new trend to ensure employees get the support they need. If your organization is not, you must start soon or risk losing key employees to greener pastures.

Download this eBook for six key insights from a survey of hundreds of businesses and tips for how you can respond to shifts in the H&W landscape. You will learn how to ensure employees thrive by understanding:

• How to pay attention to and incorporate social determinants of health in your programs
• Why diversity, equity and inclusion is an important part of H&W
• Reasons financial wellness must be part of your strategy
• And more… 

Make sure your organization is flexible, resilient and inclusive to meet employees where they are.

Cardiovascular disease is a significant contributor to rising healthcare spending, creating high costs for your clients in terms of claims. For those with self-funded plans, it is usually a top claims cost. Digital health options are an easy, low-cost way for them to empower their employees to take control of their heart health, reduce unnecessary procedures, and drive down healthcare spending.

Download this white paper to learn how to help your clients:

• Optimize employee care and prevent health risks 
• Hold digital solutions to a high standard
• Bring about life-saving and cost-saving outcomes through digital care and coaching
• And more!

Cardiovascular disease is a significant contributor to rising healthcare spending, creating high costs for employers in terms of claims. For self-funded plans, it is usually a top claims cost. Digital health options are an easy, low-cost way to empower members to take control of their heart health, reduce unnecessary procedures, and drive down healthcare spending.

Download this white paper to learn more about  industry-leading engagement through digital coaching. You will learn how to:

• Optimize care and prevent health risks 
• Hold digital solutions to a high standard
• Bring about life-saving and cost-saving outcomes through digital care
• And more!

Your clients were already trying to cope with shifting employee needs and benefit cost increases, and now there is a war for talent due to the “Great Resignation”. Clients count on you to guide them through this continued uncertainty. To say that it’s tricky is an understatement, especially with the upended traditional planning cycle.

Download this infographic now for insights on three traps to avoid when working with clients on their benefits options. These include:

• Why you can no longer limit planning with clients to once a year
• How to not get bogged down in a conversation about costs
• Ways to ease the pain of changes to a plan

Show clients you are an invaluable member of their team by dodging problematic pitfalls with better solutions. 

Managing healthcare benefits costs by reducing coverage or increasing deductibles is a constant for many organizations. You try to work with your broker to build flexible plans that help retain key talent and recruit new, productive employees, but sometimes you miss the mark on what type of benefits employees really want and need. This is especially problematic now, as workers in the U.S. resign in droves, looking for other opportunities.

Download this infographic for tips that can help you build better plans, including three ways to find the sweet spot, which includes:

• Ways to provide better healthcare coverage
• Tactics for doing that without breaking the bank
• How innovative solutions can act as a compensation booster for employees 

Take steps now to keep employees from leaving AND recruit new talent.

Many employers face the issue of a disconnect between policies their employees enroll in and benefits their employees use. From an employee's perspective, it can be difficult and confusing to know what benefits are available when needed. The burden falls on employers to make their policies accessible and easy-to-understand for employees. 

Help your employer clients ensure their employees are making the most of their benefits; thereby reducing medical, out-of-work and turnover costs, and improving productivity, engagement and employee satisfaction. Download this infographic for an example to support you in helping your employer clients:

• Attract top talent
• Improve benefits usage
• Increase understanding of how benefits work
• Ensure a happy and productive workforce

Insurance products underwritten by Transamerica Life Insurance Company or its affiliates.

1714738R1 08/21

As trusted advisors, you have the opportunity to help your clients take a step into a more equitable healthcare future by championing solutions such as first-dollar coverage health plan designs. MERPs (Medical Expense Reimbursement Plans) are proven to lower costs for employers and employees while enabling the elimination of upfront co-pays and deductibles. 

Be an agent of change when you follow the action steps provided in this guide, including how to:

• Inquire if there is a Diversity, Equity and Inclusion (DEI) council or committee within the organization you are speaking with
• Encourage your clients to create a sub group focused on benefits from a cross section of employees across the organization
• Ensure clients consider employee salaries when determining staff contributions to premiums
• Rethink high-deductible plans
• Introduce an innovative approach to health plan design with first-dollar coverage
• And more...

For many clients, managing healthcare benefits costs by reducing coverage or increasing deductibles is a way of life. You try to build flexible plans that help clients meet emerging needs in today’s uncertain world. This can help clients retain key talent and recruit new, productive employees, but sometimes clients miss the mark on what type of benefits employees really want and need. This is especially problematic now, as workers in the U.S. resign in droves, looking for other opportunities.

Download this infographic for tips that can help you and your clients build better plans, including three ways to find the sweet spot, which includes:

• Ways to provide better healthcare coverage
• Tactics for doing that without breaking the bank
• How innovative solutions can act as a compensation booster for employees 

Take steps to help clients keep their employees from leaving AND recruit new talent.

The COVID-19 pandemic fundamentally changed the way Americans access health care. Telehealth is the new standard and is evolving right in step with employees' wants and needs. Employees clearly prefer it, especially now that remote work is the norm. To put it simply, virtual care is no longer a “nice-to-have.”

Download this white paper now to get more insights about virtual care and how you can ensure clients and their employees have the benefits they need. Topics discussed include:

• Why telehealth is a silver-bullet solution for the primary care provider crisis
• Ways telehealth brings down costs for chronic conditions
• Reasons it boosts employee satisfaction
• And more… 

Offer clients solutions designed with the demands of today’s businesses in mind.

As a benefits adviser, you constantly look for ways to anticipate clients’ needs and exceed expectations. Sometimes that requires outside-the-box thinking and innovative solutions. Strategic enhancements to benefits can address important issues such as recruitment, retention, rewards, and costs, all at the same time. Because remember, a happy client is a loyal client.

Download this playbook for four key tactics you can use to meet evolving client expectations, even when it comes to their toughest challenges. This includes:

• How to address a pressing client need easily
• Ways the quality of benefits can help with recruitment and retention, while still minding the budget
• Helping clients reap financial benefits
• And more… 

PLUS – Get tips from your peers, tried and tested with clients.

Mental health challenges among your clients’ employees are more common than ever, which can profoundly affect their ability to work. However, as you look at different mental health solutions, it is tricky to ensure your clients are set up for success, especially since EAPs can easily fall short. Providing ways to boost employee engagement in a cost-effective way is key.

Download this guide now to learn more about how virtual care can help clients get more participation in mental health services, as well as what employees find most important. Topics discussed include:

• The importance of ensuring trust and confidentiality
• How virtual care makes participation easier
• Ways your clients can save money
• And more… 

Take steps to show clients how they can provide more than an EAP through virtual mental health services while also containing costs.

Your clients are under added pressure in a post-pandemic world because their employees' needs have rapidly evolved. It is crucial that you understand their most pressing concerns and show them how you can help them solve talent issues as well as benefit ones. 

Download this quick guide to explore four key pain points and how innovative health insurance benefits can help solve them. Pressing issues include:  

• Compensation Budgets: Introduce a way for employers to spend less and give more with tax-efficient* benefits
• Plan Design Changes: Recommend solutions that neutralize the impact 
• Talent Tsunami: Solve retention and recruitment issues using complementary plans**
• Health & Productivity: Offer strategic wellness support for select groups of employees 

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

**The above referenced supplemental health insurance policies are underwritten by Sirius America Insurance Company (“Sirius America”) and have exclusions, limitations and benefits that vary by plan and state. To obtain a quote or for more details on coverage, contact ArmadaCare. 

According to the Centers for Disease Control and Prevention (CDC), 90 percent of annual healthcare costs in the U.S. are for people with chronic health conditions. As your clients embrace virtual care solutions, programs that target chronic conditions become invaluable tools in reducing costs. The best virtual care options include coaching, robust content, and interventions to drive success.

Download this guide now for insights on some of the more common chronic conditions and how dealing with them can help clients and their employees. This includes:

• What those with diabetes or prediabetes need to help manage the condition
• Ways to drive better outcomes for employees with hypertension
• The importance of addressing the mental health of those with chronic conditions

Take steps now to find out how to help clients and their employees with chronic care and deliver actual cost-cutting results.

After a year of uncertainty, most employers are reluctant to make changes to their primary health insurance plans. What about all the new employee needs that cropped up this past year, related to mental health, retention and compensation?

Download this infographic now and see how these flexible complementary healthcare benefits* create win-win solutions by:

• Closing voids in coverage that lead to financial strain
• Strategically enhancing benefits for new needs, like mental health and well-being
• Providing enrollment timing flexibility (the first of any month; no need to sync with the primary plan)

Primary health insurance plans can't meet these new needs, but the good news is complementary health insurance benefits* can help (whether or not the primary health insurance plan changes).

*The above referenced supplemental health insurance policies have exclusions, limitations, and benefits that vary by plan and state. To obtain a quote or for more details on coverage, contact ArmadaCare.

Out-of-pocket healthcare expenses are rising, but primary health insurance coverage is shrinking. This is a huge problem, especially for client decision-makers and business owners who:

• Are tired of spending their after-tax dollars on healthcare.
• Remember the old 100% plans and want worthwhile coverage again. 
• Are looking to retain and attract top talent with robust healthcare benefits.

How do you respond when they come to you with their frustrations? Instead of relooking at all of their benefit offerings, there is a simpler way to layer on health insurance that complements their primary health insurance plan.*

Download this infographic to learn more about a tax-efficient** way to reach “100% coverage” for routine and unexpected medical expenses. Clients have the ability to offer to select employee classes, so they stay in control. 

*The above referenced supplemental health insurance policies have exclusions, limitations and benefits that vary by plan and state. For more details on coverage, contact ArmadaCare.  

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

Rising healthcare costs, financial strain and evolving needs make today’s employee benefits landscape complex, to say the least. The fact is, one-size-fits all plans can’t deliver everything your clients and their employees need. A new approach can help you optimize benefits. The benefits stack takes advantage of flexible tools and a business-focused strategy.

Download this guide now to learn how you can leverage innovative complementary healthcare benefits, including:

• New tools to address today's needs
• A business-focused boost for benefit strategy
• Flexibility to layer over any primary plan
• And more… 

Take steps now so you can help clients manage costs while addressing need-it-now priorities.

Your clients’ employees shouldn’t have to choose between their physical and financial wellness. Because a high deductible health plan (HDHP) with traditional HRA pairing option often comes up short, another option that can make a difference is a medical expense reimbursement program (MERP). This type of program offers more flexibility and  better outcomes for your clients’ workforce, and it can make up for your loss in commission when clients move to HDHPs from traditional plans.

Watch this on-demand video now to learn more about the potential of MERPs, including a breakdown of the advantages for brokers, employers and members. This includes:

• Ways a MERP gives you a differentiator
• No cost fluctuations for employers
• How it can reduce out-of-pocket costs for members
• And more… 

Discover which of your clients are a good fit for this model and help them save money. 

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).