Resource Center

More than half of the American population suffers from back, shoulder, knee, and other joint pain. This is why musculoskeletal (MSK) medical spend is a top benefit cost driver for many employers – greater than heart disease, cancer, and diabetes. The shift to working from home over the past year aggravated the issue, with many employees experiencing new pain due to remote work.

Download this report now for a deeper dive into the underlying trends behind these rising costs and insights into how you can redefine MSK care and better manage spend. You will also learn about:

• The costs, types of treatments, and treatment settings over the last decade
• How COVID impacted MSK trends in 2020 and implications for the future
• Actionable insights on how to better manage MSK spend and care

Take steps now so you can make informed decisions, keep costs low, and keep your employees healthy. 

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More than half of the American population suffers from back, shoulder, knee, and other joint pain. This is why, for many of your clients, musculoskeletal (MSK) medical spend is a top benefit cost driver – greater than heart disease, cancer, and diabetes. The shift to working from home over the past year aggravated the issue, with many employees experiencing new pain due to remote work.

Download this report now for a deeper dive into the underlying trends behind these rising costs and insights into how you and your clients can redefine MSK care and better manage spend. You will also learn about:

• The costs, types of treatments, and treatment settings over the last decade
• How COVID impacted MSK trends in 2020 and implications for the future
• Actionable insights on how to better manage MSK spend and care

Take steps now so you and your clients can make informed decisions, keep costs low, and keep clients’ employees healthy.

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Successful benefits leaders think beyond employee education and often consider new ways to systematically engage their people. The difference matters. Education involves informing clients’ employees about their benefits, but engagement is about consistently cultivating positive behaviors and habits. 

Download this white paper to discover proven engagement strategies that can help your clients maximize account utilization and propel members on their journey to long-term savings and retirement readiness. 

You’ll find tips to help your clients:

• Drive adoption
• Promote positive habits 
• Measure and benchmark
• Cultivate their own professional skills

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The events of the past year created a new urgency around getting employee benefits right. Your employees expect more than ever before, and your leadership now sees the value of offering better programs. However, that doesn’t suddenly solve the puzzle of how you transform your organization. The pressure is now on HR to ensure you deliver measurable ROI and sustainable value, all while supporting your employees.

Download this eBook now to get insights on top trends influencing the employee benefits landscape and their implications. Topics explored include:

• Why financial and economic anxiety is at an all-time high 
• The reasons individual health and wellness suffered a major blow 
• How other organizations are cutting costs to survive 
• Which new workforce models and constructs can transform the benefits landscape

Make sure you can give employees and your organization what they need right now!

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As you plan for the future, how have your priorities changed? How can you reach both your organizational and employee wellness goals efficiently and adapt quickly to changing times?  

Download this report now for a deep dive into trends in employee wellness and the top 3 concerns most employers have. You will learn:

• What remains the number one priority
• Why reducing healthcare costs is still top of mind
• How rolling out a program that addresses 4 pillars of employee wellness can help you reach goals of increased engagement, reduced absenteeism, etc.
• And more… 

Take steps now to ensure your organization and employees can achieve real, measurable results.

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As you work with clients to plan for the future, not only do you have to account for changing priorities, but also for their unique organizational and employee wellness goals. To introduce a more comprehensive view of wellness and give clients what they need, it may help to know what many employers are asking for. 

Download this report now to learn about their top 3 concerns and for a deep dive into how to help them meet wellness goals. You will learn:

• What remains the number one priority
• Why reducing healthcare costs is still top of mind
• How rolling out a program that addresses 4 pillars of employee wellness can help employers reach goals of increased engagement, reduced absenteeism, etc.
• And more… 

Take steps now to help your clients and their employees achieve the real, measurable results they need. 

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As the way you communicate and connect with clients continues to evolve, especially in the wake of the pandemic, how you tackle problems is as important as finding the most powerful solutions. Defining yourself and your style can help you pinpoint your strengths and understand how you approach each client. This gives you the keys to solve major issues while forging better relationships.

Download this guide to discover which of the five basic consulting types best suits you and use the ideas and solutions outlined to improve your client communication. Find out if you are naturally:

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

Get insights on all the types of brokers so you cannot only find ways to maximize your potential, but deliver fresh ideas on innovative benefit solutions.

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Your clients, like everyone else, cannot wait for things to get back to normal. However, they may not need to wait to start moving forward. You can show them an example of one organization that not only saved 34% on health insurance costs, but also was able to start bringing back furloughed employees because of benefits costs savings, making it so “back to normal” came sooner.

Download this case study now to learn how you can take the success of one organization and implement similar programs for each of your clients’ unique needs. This includes:

• Ways to improve access to health benefits while driving down monthly premiums 
• How to eliminate “chaos” when changing benefits options
• Choices that can make a dramatic impact on your clients’ budget

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As your clients hope for a big bounceback after the pandemic is over, with or without a remote workforce, it can be difficult to provide a unified message around benefits. Your clients need a solution that addresses the diverse needs of their employee population that is accessible and easy to understand.

Download this case study to see how one organization was able to teach their employees to be wise healthcare consumers. This includes reducing costs through:

• Halting the over-utilization of the ER
• Helping workers avoid out-of-network providers
• Learning how to “shop” for services
• Achieving a better overall understanding of benefits

Show your clients there is an easy way to help address employees’ healthcare issues so they can boost their bottom line.

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Although employer matching is almost universal in 401(k) programs because it incentivizes employee participation, it’s rarely seen in HSAs. New data indicates that may be a significant oversight. 

This new white paper describes five common HSA contribution strategies, highlighting the extent to which they incentivize certain employee behaviors. Then, it puts the employer match to the test by comparing HSAs that use an employer match (29 organizations) to a control group that does not use a match (45 organizations). 

Download this white paper to understand and compare HSA contribution  options. You’ll get unique insight into the effect of various strategies on cost and participation. You will also discover how matching could help your clients:

• Drive adoption
• Incentivize employee contributions 
• Control costs 
• Increase employee satisfaction

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It can be hard to guide clients and their employees toward different health plans when they do not understand what a deductible is or the difference between an HSA and an HRA. While you can take time to teach your clients’ benefit manager, it is nearly impossible to reach every single employee to ensure they know what type of benefits they want and need. Additionally, this type of education is simply another crunch on your time during open enrollment, when you also need to focus on growing your business.

Download this guide for a client tool they can use with their employees to explain crucial health insurance terms. It includes info on:

• The different types of plans available
• The savings options, such as HSAs, FSAs, and HRAs
• Terms used related to costs
• And more… 

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The number of your clients’ employees with pets has increased. In the past 10 years alone, the number of U.S. homes with a pet rose from 71 million to 85 million. In just the past year since the pandemic began, more than 11 million homes welcomed a new pet. This presents a huge opportunity for brokers to help employers support the care of employees’ pets.

Download this infographic now to get a better understanding of how pets actually help your clients’ workforce and why support in the form of pet insurance makes sense. You will also get insights on pet-o-nomics, such as:

• The changes in costs new pets can bring
• Why many Americans feel they cannot afford to care for their pets, even though they are part of the family
• Ways pet insurance makes financial sense

Show clients you are in touch with their workforce’s evolving needs and can help them offer new options! 

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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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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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Traditional, fully-insured approaches to health coverage failed working Americans even before the pandemic, so the idea of falling back into the status quo this year is unacceptable. Underinsured employees struggle to pay deductibles or out-of-pocket expenses, limiting their access to healthcare. To offer the best to your clients and their employees, you must re-examine what worked in the past and innovate from within the paradigm.

Download this guide now to learn more about what could be a silver bullet clients desperately need. First-dollar coverage allows workers to eliminate out-of-pocket expenses, removing barriers to care, while saving money for your clients. You will discover:

• How you can help provide health equity for your clients’ workforce
• The advantages and challenges of first-dollar options
• How to make first-dollar work within the context of common designs

Your clients don’t have to settle for healthcare options that don’t make sense for their unique needs. Show them how to reduce employee fear of being unable to pay for services.

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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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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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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 ›

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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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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