Resource Center

It seems like the strain caused by the COVID-19 pandemic is unending. Now you face additional pressures to manage benefits costs and save money due to the economic fallout. You need smarter ways to provide affordable health benefits while protecting your bottom line. Today, more than ever, alternatives to traditional employer-sponsored health plans, such as Limited Medical Benefit plans, make sense.

Download this white paper to learn how you can recover now and prepare for a changed workforce as the economy bounces back. You will learn:

• How Limited Benefit Medical plans can help those hurt most by the pandemic-induced recession: part-time workers
• Ways to protect you and your employees from financial risk now and in the future
• Strategies that will allow you leverage flexible plan design to help your employees

Discover how to recover from the coronavirus damage and thrive once it’s all over.

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In times of uncertainty, healthcare is supposed to bring a sense of security to your clients and their employees. However, many people feel like they enter into healthcare choices blindly, without really knowing what they are signing up for. Your clients need help educating their workers so they don’t feel defeated by the often confusing and expensive healthcare system.

Download this white paper now to use as a tool with clients so they can explain 4 key things their employees may not understand about health insurance. These include:

• How they can shop like a consumer and what that means
• Ways to evaluate monthly cost vs yearly cost
• Tactics to make the most of healthcare funds
• The growing importance of telemedicine

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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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It seems like the strain caused by the COVID-19 pandemic is unending. Now your clients face additional pressures to manage costs and save money due to the economic fallout. Your clients need smarter ways to provide affordable health benefits while protecting their bottom line. Today, more than ever, alternatives to traditional employer-sponsored health plans, such as Limited Medical Benefit plans, make sense.

Download this white paper to help your clients recover now and prepare for a changed workforce as the economy bounces back. You will learn:

• How Limited Benefit Medical plans can help those hurt most by the pandemic-induced recession: part-time workers
• Ways to protect clients from financial risk now and in the future
• Strategies that let clients leverage flexible plan design to help their employees

Help clients recover from the coronavirus damage and thrive once it’s all over.

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Given the financial constraints brought on by the pandemic, financial wellness is top of mind for both employers and employees alike. Additionally, the rise in a more remote workforce has made businesses more vulnerable to data and privacy breaches and exposed vulnerabilities to cyber threats, such as hacking, phishing scams, and spam. With all of these obstacles currently in play, clients cannot afford to lose employee productivity due to identity theft or fraud.

Download this white paper now to learn how to reduce financial stress for your clients and their employees. Topics include:

• Why addressing financial wellness with employee benefits is more important now than ever
• How current workplace trends should inform the benefits that you’re offering
• Why identity theft and privacy protection plans are imperative
• How integrating new options into financial wellness programs can help you gain a competitive edge

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Given the financial constraints brought on by the pandemic, financial wellness is top of mind for you and your employees. Additionally, the rise in remote work has made businesses more vulnerable to data and privacy breaches, such as hacking, phishing scams, and spam. With all of these obstacles currently in play, you cannot afford to lose employee productivity due to identity theft or fraud.

Download this white paper now to learn how to reduce financial stress for your employees. Topics include:

• Why addressing financial wellness with employee benefits is more important than ever
• How current workplace trends should inform the benefits that you’re offering
• Why you need to incorporate identity theft and privacy protection and a key employee benefit
• How the right coverage can help overcome complications that arise when combating identity theft and fraud
• Why it makes sense to create a comprehensive protection program that also guards against cybercriminals

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As you look for ways to diversify your portfolio and boost your bottom line, vision insurance can provide attractive commissions. Even if it is something you’ve sold for a while, it’s always a smart idea to brush up on your sales knowledge and tactics. Selling vision starts with understanding your clients’ needs, but doesn’t end once they sign on to a new plan. 

Download this eBook now to review 9 key steps you should take to sell more vision plans that are best suited for your clients’ employees. These include:

• How to evaluate existing plans (or lack of)
• Educating clients  about their options
• Addressing the importance of vision care 
• How and when to follow up
• And more…

Vision benefits don’t have to be a throw in or  the same for each client. Discover how you can step up your vision plan game.

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Your clients' employees want to ensure their loved ones are taken care of, regardless of what the future holds, especially now. Life insurance can help protect families from financial hardship in case of tragedy. However, life insurance does not have to be a one-size-fits-all approach. This is your opportunity to help clients provide the coverage their workforce truly needs through a variety of options, in the event the unimaginable happens. 

Download this guide now to get an overview of different types of life insurance and the key role living benefit riders can play. This tool will help you explain to clients and their employees:

• The difference between term, whole, and universal life insurance
• Ways to match life insurance with different lifestyles through sample scenarios
• How living benefit riders can offer more flexibility

Take steps now to give clients more options to help employees and their families.

 

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Between uncertainty surrounding schooling and childcare, increased health expenses and more unemployment, your clients’ employees face unprecedented pressure when it comes to finances. The pandemic highlighted the need for financial wellness, which is not something that can be ignored when planning with clients. Financial stress often follows employees to work, leading to lower productivity, and even absences due to physical illness.

Download this guide now to get a full understanding of the financial wellness problem, as well as how clients can help their employees. Topics include:

• Popular options such as HSAs, FSAs & HRAs
• The rising importance of caregiver benefits
• Other ways to help workers, including loans, educational sessions, and mental health support

While open enrollment is when clients lean on you the most, discussing these types of issues is invaluable throughout the year. Ensure they see you as a trusted teammate with smart advice and valuable solutions.

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Due to the pandemic, many clients may be struggling to maintain operations while continuing to offer quality health care benefits to their employees. Yet, prior to COVID-19, many people were underinsured due to either out-of-pocket costs or because of financial strains on their employer. It’s easy to say that no one should have to choose between physical health and financial stability, but with a creative plan-design solution, you can help your clients deliver benefits that give employees what they need.

Watch this on-demand video and learn more about the importance of making sure clients 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 discover:

• How first-dollar coverage works and why it makes a difference.
• Ways to avoid the more traditional, expensive options.
• Strategies to craft a creative health plan that saves money for clients and their employees.

If you are tired of the status quo and the no-win situation of health care for clients and employees, act now to guide your clients toward better health benefits for less.

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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.

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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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While everyone is eager to get back to normal, the timeline for when the pandemic will end is still unknown and it will likely require long-term changes to how we work. Around the world, employers are grappling with how to implement policies and procedures to keep employees safe if and when they return to the office. Protocols created by medical professionals will not only help you, but also give your employees confidence in returning to work safely.

Download this guide now to access 5 steps crafted by medical experts you can follow as you lay out a strategy to return to the office. These include:

• Creating a COVID-19 task force 
• What needs to go into screening and monitoring procedures
• Codes of conduct and best practices for employees
• Elements of an effective communication plan
• And more… 

PLUS – Get answers to FAQs regarding employees who show symptoms or test positive for COVID-19.

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As American healthcare goes through a paradigm shift, telemedicine will continue to play a larger role. This has only accelerated because of the pandemic, as your clients’ employees and health professionals look for ways to connect without meeting face-to-face. Telemedicine can even assist with vision care, a critical indicator of a person’s overall health, and ocular telemedicine is an important benefit your clients should know about.

Download this white paper now for a better understanding of how telemedicine translates to eye care. You will discover:

• Key trends in telemedicine use
• How it can save money for clients and their employees and allow for more immediate, personalized care
• Ways ocular telemedicine can provide support to at-risk patients, improving long-term outcomes 
• The effects of current legislation on ocular telemedicine reimbursement 

While telemedicine for vision care is still evolving, it’s important to bring it to your clients now so they can access its full potential.

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As American healthcare goes through a paradigm shift, telemedicine will continue to play a larger role. This has only accelerated because of the pandemic, as your employees and health professionals look for ways to connect without meeting face-to-face. Telemedicine can even assist with vision care, a critical indicator of your employees’ overall health.

Download this white paper now for a better understanding of how telemedicine translates to eye care. You will discover:

• Key trends in telemedicine use
• How it can save money for you and your employees and allow for more immediate, personalized care
• Ways ocular telemedicine can provide support to at-risk patients, improving long-term outcomes 
• The effects of current legislation on ocular telemedicine reimbursement

While telemedicine for vision care is still evolving, it’s important to start accessing its full potential now. Learn more!

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During this monumental time of upheaval, it’s a good idea to ask forward-looking questions about the future of employee benefits. It’s helpful for you to know how many in your line of work feel about where the industry is headed and what to expect in the year to come. It’s especially crucial for you to understand what challenges others expect to face and how you can overcome them.

Download this report now to get key insights from a survey that gathered answers from a wide range of HR professionals. You will learn:

• How important virtual healthcare should remain, even after the pandemic
• Which new benefits many expect to add in 2021
• Ways to utilize consumerism as a cost-saving strategy
• How your peers feel about their current benefits communication strategies
• And more…

Despite the incredible uniqueness of 2020, many of the problems you face are the same as they were before the pandemic. Learn how you can do more with less in the year ahead.

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As your clients look for ways to control benefits costs and offer employees customization, a new plan innovation, released in 2020, can help provide that. Called Individual Coverage Health Reimbursement Arrangements (ICHRA), experts anticipate that they will  have a huge impact on the industry. According to the White House, 13 million employees and 800,000 employers will move away from traditional group plans to ICHRA in the next three years. Discover how, if implemented correctly, ICHRA can help you increase client retention and your book of business.

Watch this on-demand video now to get an overview of ICHRA and how they work. You will understand:

• How ICHRA are similar to the shift from pensions to 401(k)s, in that they’re employee managed and allow for personalization, instead of employer managed
• Why organizing teams into classes for ICHRA increases flexibility and allows clients to set custom budget amounts
• When clients can make the shift to ICHRA and how to make it easy
• And more...

As employers are moving away from traditional group plans – ensure you’re equipped to help them with a transition to ICHRA!

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It doesn’t matter whether it’s because of a global pandemic, a recession, or a short-term market correction, sometimes retirement plan investments lose value. When this happens, plan participants (and their lawyers) look for someone to take the blame. So what happens when the target-date funds (TDFs) you picked suddenly lose a lot of money, as many did in early 2020? The answer depends on how you picked it, and how well you documented the choice.

Download this white paper now to get key insights from an ERISA attorney on all the relevant factors for selecting and monitoring a plan’s investments. You will also discover

• Why two TDFs with the same target date may share almost no other common characteristics
• What exactly ERISA requires fiduciaries to do
• When and why you ought to get help from an expert
• DOL tips for selecting TDFs
• And more… 

Now is the time to take a good look at your fiduciary process for TDF selection and ensure you account for all relevant factors. 

 

The opinions expressed are those of the author and are no guarantee of the future performance of any American Century Investments fund. Brad Campbell and Faegre Drinker are not affiliated with American Century Investment Services, Inc.

Neither the paper nor the Target-Date Blueprint provide legal or investment advice. Plan fiduciaries should seek appropriate legal or other counsel to evaluate their specific circumstances.

FOR FINANCIAL PROFESSIONAL USE ONLY / NOT FOR PUBLIC USE
©2020 American Century Proprietary Holdings, Inc. All rights reserved.

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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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As more of your clients look to cut health care costs, HSAs paired with a High-Deductible Health Plan (HDHP) continue to become more popular. HSAs come with a great deal of tax benefits and are quite versatile. However, many clients – and their employees – have questions about HSAs and may not understand all they can do. 

Download this cheat sheet now for the answers to 15 common questions about HSAs, as well as links to additional resources. The questions include:

• How does someone qualify for an HSA?
• What are the limitations of an HSA?
• What records do employees need to keep to justify expenses?
• What happens to an HSA when an employee dies?
• And more… 

Give this cheat sheet to clients so they can use it as a tool as well, providing answers quickly and succinctly when needed by employees.

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All the demands on your time do not give you a great deal of bandwidth to help your employees navigate a complicated healthcare landscape. However, health benefits play a key role in where many people choose to work. To bring in superior employees and keep them from leaving, you need to provide an integrated, transformative healthcare experience. Fortunately, taking your organization’s healthcare and wellness strategy to the next level is easier than you might think.

Access this interactive eBook now to get details on 6 hurdles you need to overcome to offer comprehensive, quality benefits for your employees and how to navigate those challenges. These include:

• How to keep costs down
• Ways to sort through and keep up with continual regulatory changes 
• Helping employees understand confusing terminology
• And more… 

Discover how to help your employees make informed decisions, reduce their frustration, and ensure they get the answers and outcomes they need, freeing up your time to advance other key initiatives.

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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 ›

As your clients struggle to recover from the strain created by the COVID-19 pandemic, they face additional pressure to manage costs, and are using caution in their rehiring strategies. To make payroll and provide affordable health insurance, they need your help to find smarter solutions.  Alternatives to traditional employer-sponsored health plans, such as Limited Medical Benefit plans, are a great option to present.

Download this white paper now to help your clients work their way back from layoffs and meet the needs of a changing workforce. . You will learn:

• Why Limited Benefit Medical plans make sense for part-time workers – a group particularly hard hit by the economic downturn
• How the right plans protect your clients from financial risk
• Ways for clients to leverage the flexibility of plan designs to help more employees

The road to recovery from the coronavirus pandemic’s impact on the economy could be long, but you can make it easier with alternative solutions.

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Between COVID-19 and the traditional flu, employees may miss work because of illness more than ever before during the 2020-2021 cold and flu season. Even during a “normal” year, there is a significant and common challenge: When should an employee stay home from work? Who should ultimately make that decision? Even remote employees struggle to know when to step away from work. Now is the time to leverage telehealth solutions to help keep employees both safe and productive. 

Download this report now to explore what you should look for in a telehealth platform to ensure your employees get what they need this winter. Topics discussed include:

• The importance of a “text first” approach
• How to let doctors make key decisions
• Ways telehealth keeps employees on the job when appropriate
• How it can help workers get complete care for physical and mental health issues 
• And more… 

Decrease the burden of having to make tough decisions around sick days and show your commitment to employee wellness.

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Between COVID-19 and the traditional flu, your clients’ employees may miss work because of illness more than ever before during the 2020-2021 cold and flu season. Even during a “normal” year, there is a significant and common challenge, posing difficult questions for your clients: When should an employee stay home from work? Who should ultimately make that decision? Even remote employees struggle to know when to step away from work. Now is the time to leverage telehealth solutions to help keep your clients’ employees both safe and productive. 

Download this report now to explore what your clients should look for in a telehealth platform to ensure employees get what they need this winter. Topics discussed include:

• The importance of a “text first” approach
• How to let doctors, not employers, make key decisions
• Ways telehealth keeps employees on the job when appropriate
• How it can help workers get complete care for physical and mental health issues 
• And more… 

Decrease the burden on your clients of having to make tough decisions around sick days and help them show a commitment to employee wellness.

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With an increased focus on digital healthcare these days, you may wonder if digital health solutions can actually relieve chronic conditions, such as back and joint pain, and reduce medical expenses. Researchers from Stanford, University of California San Francisco, and Vanderbilt University set out to answer this question in the world’s first large-scale study of a digital musculoskeletal (MSK) solution.

Download this white paper now to learn:

• The impact of a digital MSK solution on pain reduction, depression, anxiety, surgeries avoided, and workplace productivity across 10,000+ participants
• Why digital health is uniquely suited to help your remote workplace
• The impact of digital health on medical claims savings

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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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With an increased focus on digital healthcare these days, many clients may wonder if digital health solutions can actually help solve chronic problems and therefore reduce medical expenses. The number one cost driver for most clients and their employees are issues with back or joint pain. If you can help clients offer digital healthcare that results in better outcomes with lower costs, you become invaluable.

Download this white paper now to get details on new research which shows success of digital care for chronic back and joint pain. This includes:

• Why digital healthcare is uniquely suited to help remote workforces
• The impact of digital health on medical claims savings
• How effective programs can help clients’ employees avoid costly medical treatments
• Ways at-home solutions can work, even in cases of physical therapy
• The potential benefits of this type of offering for your clients and their employees

Provide your clients hard numbers on how digital healthcare can bring better health and financial outcomes.

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Organizational wellbeing depends on engaged and productive employees. But how do you plan for future success with the drastic and unexpected shift in priorities brought about by COVID-19?

Gallagher’s 2020 Benefits Strategy & Benchmarking Survey Executive Summary provides data and insights that you can use to recognize your organization’s strengths and identify opportunities to retain valuable employees, increase engagement and achieve better outcomes.

Build organizational wellbeing through employee wellbeing with this valuable report. Gain insights into:

• Shifts in employer priorities toward continuity, safety and compliance
• Innovative benefits design and the growing importance of wellbeing initiatives
• The top healthcare and prescription medication cost control tactics
• Engagement drivers of work-at-home employees

Get a practical perspective on trends and strategies to help you face your future with confidence.

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As the world becomes more comfortable with telehealth solutions, there is no turning back to a system that used to rely solely on brick-and-mortar facilities. However, an automated system or artificial intelligence cannot replace human connections. It’s your job to guide clients to a solution that can check all the right boxes.

Download this white paper now to help clients sort through myths about telehealth solutions and identify key truths. You must help them avoid poor telehealth solutions, many of which rely on front-end chatbot technology, and according to physician opinion:

• 76% say they cannot effectively care for all of a patient’s needs 
• 72% say they cannot display human emotion and empathy
• 71% say they cannot provide detailed diagnosis and treatment due to lack of understanding about  patient’s personal factors 
• 74% say they add risk to patients who may not understand the diagnosis

The right telehealth tools can bridge the world of speed and efficiency with human connection and sound judgement. Find out what it takes to create this happy marriage of humanity and technology.

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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.

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Your clients know that one way they can bring in and retain top talent is with a quality benefits package. They need your help to create something attractive while still keeping costs down. However, the COVID-19 pandemic means benefits costs may go up significantly in the next year, as clients may face a loss of revenue due to the economic downturn. Any tactics you can use to help clients keep benefits costs lower are invaluable. 

Download this white paper now to get 6 strategies that can make a real difference as you and your clients look for ways to protect their bottom line. Topics discussed include:

• The tax savings of an FSA carryover
• The advantages of full replacement, offering only HSA-qualified health plans
• How to unlock the value of a single-source provider 
• And more… 

Even though costs may rise, you can still keep the amount your clients have to spend in check. Discover how to help them make smarter benefits decisions.

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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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Open enrollment is a crucial time: You should offer perks and programs employees will actually use. This includes options for vision care, which workers expect to be part of a core benefits package. By paying attention to this type of coverage, you can save money and hit the sweet spot of what your employees value.

Download this eBook now to discover how to get more ROI out of open enrollment, especially when it comes to vision health. This eBook will give you a better understanding of:

• How to understand what concerns sway employees’ decisions 
• The importance of diversifying methods of communication
• Why convenience must be the priority 
• And more… 

The time leading up to open enrollment should be used for consistent communication between you and your employees. Learn how to open up communications so employees understand what options are available and what will most benefit them.

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Open enrollment is a crucial time for your clients, and they need to be able to rely heavily on you during the entire process. Ensuring the benefits offering you create together includes perks and programs clients’ employees will actually use is essential. This includes options for vision care, which workers expect to be part of a core benefits package. By paying attention to this type of coverage, you can save clients money and hit the sweet spot of what your clients’ employees value.

Download this eBook now to discover how clients can get more ROI out of open enrollment, especially when it comes to vision health. This eBook will give you a better understanding of:

• How to understand what concerns sway employees’ decisions
• The importance of diversifying methods of communication
• Why convenience must be the priority 
• And more… 

The time leading up to open enrollment should be used for consistent communication between you and your clients, and your clients and their employees. Learn how to help clients open up communications so employees understand what options are available and what will most benefit them.

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COVID-19 is bringing rapid regulatory transformation to health savings accounts (HSAs). Between March and April 2020 alone, six regulatory notices were introduced, modifying how account holders use and interact with their HSAs. A critical part of your role is to make sure your clients and their employees understand the changes and answer questions when they come up. 

Download this guide now to get an overview of each change initiated by the coronavirus pandemic and how it impacts employee use. This includes answering key questions, such as:

• Is COVID-19 testing and treatment an HSA-eligible medical expense?
• Can employer-sponsored group health plans impose cost-sharing for FDA approved COVID-19 testing?
• Has there been a change to 2019, 2020, or 2021 HSA contribution limits?
• And many more… 

PLUS – You will get 6 insights and predictions about what future changes you can expect to HSAs due to COVID-19.

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As the industry changes at a rapid pace, it can be easy to lose sight of your goals. But there is no reason why you cannot make this your most successful year ever. By identifying where you spend most of your time currently, you can re-prioritize and spend more of your time focusing on what matters most. 

Download this guide now to get key organization and time management tips that will help you get more out of each day and maximize your success, including:

• Why the “two-minute rule” can help
• How to eliminate some tasks and automate others
• Ways to set yourself up as an expert
• Tactics for getting more out of social media
• How to ask for referrals
• And more… 

Get more out of this quoting season and ensure you unlock each opportunity that comes your way. Make smart decisions and save your energy for what matters.

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Now that working from home is the new normal due to COVID-19, your employees’ health needs have inevitably changed. With most likely to keep working remotely until there is a vaccine, their benefits need to be able to help address issues that arise because they are working at home. Understanding what new health risks the remote workplace poses and leaves largely untreated is key to meeting their evolving benefits needs.

Download this recent survey report of 900+ US remote workers to discover:

• Top challenges for remote workers during COVID-19
• How working from home is impacting employees’ physical & mental health
• How chronic back and joint pain is on the rise in makeshift home offices

In this new reality, you need to think creatively to keep employees healthy and avoid burnout. Get tips on at-home digital care solutions to address emerging health risks and enhance employee well-being.

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Now that working from home is the new normal due to COVID-19, your clients’ employees’ health needs have inevitably changed. With most employees likely to keep working remotely until there is a vaccine, their benefits need to be able to help them address issues that arise because they are working at home. Understanding what new health risks the remote workplace poses and leaves largely untreated is key to tailoring packages to meet clients’ evolving needs.

Download this recent survey report of 900+ US remote workers to discover:

• Top challenges for remote workers during COVID-19
• How working from home is impacting employees’ physical & mental health
• How chronic back and joint pain is on the rise in makeshift home offices

In this new reality, your clients need to think creatively to keep employees healthy and avoid burnout. Get tips on at-home digital care solutions to address emerging health risks and enhance employee well-being. 

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It’s difficult to predict how the employee benefits landscape will look post-pandemic, but it’s probable that many of your clients and their employees will engage in benefits in a different way. You need to develop a more holistic complete benefits package that fills multiple needs and help provide security to alleviate client and employee anxiety spurred by the pandemic.  

Download this white paper for where to begin and how you can conquer these challenges. You will learn a two-pronged approach with voluntary benefits that includes:

• Tips on creating bundles for clients that fill health coverage gaps.
• How you can take an active role in making sure clients and their employees make informed choices.
• What different types of communication vehicles to offer to educate and ensure your clients make the right choices.

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A health savings account (HSA) is like a 401(k) for health care costs, but many of your clients and their employees don’t understand their full potential and tax benefits. Because HSAs have a reputation for being complicated and confusing, you must be prepared to answer a wide range of questions so employees understand an HSA is actually pretty simple to use — and an effective tool for long-term saving.   

Download this eBook you can share with clients now to get insights to help their employees overcome foolish assumptions about HSAs and get more out of them. Topics covered include:

• The basic facts about HSAs: What are they? Who can contribute?
• The top 10 reasons to open one and how employees can manage their HSA funds 
• Ways to maximize tax advantages and keep an HSA healthy
• And more… 

Go beyond the basics of HSAs and help your clients drive education and enrollment and their employees to maximize their potential.

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Your clients face pressures from all sides. They need to find ways to grow, and that can only happen through innovation and a diverse workforce. Competitive benefits packages can help attract the right workforce and keep them happy. To serve all these masters, many companies offer High Deductible Health Plans (HDHPs). By giving employees a range of options, they can make the best decisions for themselves and their families, and you can help clients contain costs.

Download this guide now to use with your clients and give them a detailed overview of the different types of health plans available, including HDHPs + HSAs, PPOs and HMOs. The guide explores:

• The benefits (and/or drawbacks) of each type of plan for both employers and employees
• The costs associated with each type of plan
• 3 steps your employer clients can take to determine the best benefit options to offer their employees 

The stress of choosing a health plan can feel overwhelming for clients and their employees. Act now to show them how to offer flexible benefits without breaking the bank.

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The COVID-19 pandemic accelerated the adoption of telehealth solutions, forever changing the interactions between patients and doctors. All parties realize that a better healthcare delivery model is not just possible, but already here through a screen and microphone. However, technology cannot replace human connections, and it’s crucial you consider this as you weigh future benefits options.

Download this white paper now to learn how your benefits offerings can create a happy marriage of technology and humanity that will meet your employees’ unique needs. This is built on understanding three crucial concepts, and separating myths from truths, including:

• The difference between efficiency and automation 
• What “human” really means
• How to use technology to help people

Take steps now to ensure your employees have optimal patient experiences in this new era of telehealth. Get a picture of the best case scenario so you can replicate it.

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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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Gone are the days when you simply helped employers choose a benefits plan. In today’s environment, you must help clients navigate the ever-changing health care landscape, recommend integrated technology and third-party administrators, and make sure employee experience is top notch – all while keeping costs low. As your role continues to evolve, it’s helpful to know what your peers are focusing on in the immediate future and beyond.

Download this eBook now to get insights from a survey of brokers from across the country, which will help you bring value to clients and offer a modern benefits strategy this year and into the new decade. Topics discussed include:

• How the industry feels about costs, as well as service and support
• Tips for recommending integrated technology (and for making the most of “freeware” options)
• Ways to make the most of partnerships
• How to help clients maximize their budget with tax-advantaged options
• And more...

The only way to stay ahead in this business is to continue looking ahead. Find out what your peers are focused on so you can ensure your priorities are straight. 

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During these uncertain times it is more important than ever for employees to feel supported through the healthcare process. This can be challenging to keep up with as the number of questions increase, and everything feels urgent. How can you help your employees get answers without it taking you away from other important aspects of your job?

Download this guide now for a walkthrough of 10 common healthcare issues and suggestions for how to efficiently help your employees solve them. These include:

• Problems with a healthcare bill
• Denial of service
• Out-of-network questions
• Cost of prescription drugs
• And more… 

Act now to lighten your load and quickly give your employees the assistance they need!

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In this year like no other, the way you talk about benefits and retirement must change and adapt to the new environment. If you use the same language as last year, you risk sounding out of touch to your clients and prospects. This could reduce trust and this is a time where you must build up and solidify relationships, not rest on your laurels. 

Download this cheat sheet now to get 20 key phrases that pinpoint what is resonating with many clients and their employees in the current state of the world. Examples include:

• Plan for and protect against uncertainty
• Go from cautious to confident
• Comprehensive approach to life’s complex challenges
• Feel prepared and protected
• And more… 

By making sure your vocabulary evolves to meet your clients pandemic-specific concerns and needs, they will continue to see you as a valuable and indispensable partner.

 

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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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Due to the COVID-19 pandemic, your employees now expect you to provide the resources required so they can work safely – remotely or on-site – and access to healthcare in a more flexible way. In the current environment providing telehealth services for both physical and mental health will help you address workers’ changing needs.

Download this white paper now for four factors you should consider when evaluating a telehealth platform to ensure it engages employees and delivers effective results. These include:

• Ways to take the stress out of healthcare access
• How to limit wait times through telehealth services
• Why it’s important for employees to have access to virtual primary care and multispeciality services
• Options for providing telehealth to the entire family

With a “return to normal” still far away, you must adapt to the world the way it is now. Offering a program with telehealth benefits that will continue to provide aid long after the pandemic is over is key to helping your employees.

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This year’s open enrollment season brings additional pressures because most of your clients’ employees will probably review their benefits options with more scrutiny as a result of the COVID-19 pandemic. This means you must stay competitive and up-to-date with the latest trends to gain and retain clients in this competitive market. Being well versed in personalized benefits, and the "how," "what," and "why" of personalization, can give you a competitive edge.

Download this white paper now to learn how to implement a personalized benefits program for your clients and why traditional benefits may no longer be enough. You will discover: 

• How many of your clients’ employees feel about their current benefits options
• The differences between traditional and personalized benefits in a side-by-side comparison
• How personalized programs help your clients
• What you and your clients need to consider as you roll out personalized plans

In this year of unparalleled challenges, find out how customization can help you better serve your clients and their employees,making retention and renewals easier.

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Due to the COVID-19 pandemic, your clients must now provide their employees with the required resources to work safely – remotely or on-site – and access to healthcare in a more flexible way. The current environment accelerates the necessity of telehealth services for both physical and mental health. It also provides a prime opportunity to offer telehealth solutions to clients that will address their changing needs.

Download this white paper now for more insights on the changing healthcare environment, as well as four factors you and your clients must consider when evaluating a telehealth platform to ensure it engages employees and delivers effective results. These include:

• Ways to take the stress out of healthcare access
• How to limit wait times through telehealth services
• Why it’s important for employees to have access to virtual primary care and multispeciality services
• Options for providing telehealth to the entire family

With a “return to normal” still far away, you must help your clients adapt to the world the way it is now. Discover why strategically offering a program with telehealth benefits that will continue to provide aid long after the pandemic is over is key.

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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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Now more than ever, employers need timely insights as they navigate the unprecedented challenges arising from the COVID-19 global pandemic. This whitepaper unpacks and examines these challenges, to help you assess your situation, formulate a response and build a return to workplace strategy that protects your employees and organizational goals. 

See how your organizational wellbeing can thrive in an uncertain economic environment with insights into a wide range of return-to-workplace challenges, including: 

• The importance of resiliency
• The human and economic cost of loneliness
• Ways to return to the workplace with care, compassion, and confidence
• How to evolve your performance management
• 5 strategies for re-prioritizing healthcare spend
• And more!

Download this white paper for insights into protecting your people, your property and your profits.

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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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Many of your clients continue to struggle with potentially crippling health care costs while trying not to put too much of a burden on their employees. Solutions often involve using some sort of High deductible health plan (HDHP). Another offering that can help is a medical expense reimbursement program (MERP), which runs adjacent to an HDHP and pays workers’ medical claims as they come in. This type of product can help your clients get more from their investment into employee health care, and having it in your toolbox can help differentiate you amongst your competitors.

Watch this on-demand video now to get a better understanding on how a MERP works and why it may be the right solution for you and your clients. This includes:

• The advantages of a MERP over a traditional HRA
• Why this offering would appeal more to fiscally conservative clients 
• Ways a MERP limits out-of-pocket costs for employees
• The benefits consultants/brokers receive in terms of end-to-end support and consistent compensation

Your clients are looking for new and different ways to combat health costs. Demonstrate why a MERP may be the best offering for them.

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In this time of uncertainty, employees are thinking critically about what matters most for their families. The COVID-19 crisis will affect each family differently, but overall an increased focus on health and finances is likely. Offering voluntary benefits (particularly health-related ones like critical illness, disability or hospital indemnity) can provide peace of mind for your clients’ employees by filling any coverage gaps in a flexible, and relatively inexpensive, way. This is especially true if your employer clients have to cut back on core health plans in order to conserve cash in this difficult time. 

Download this white paper now to understand 10 reasons your clients and their employees want voluntary benefits. This includes:

• Ways they fill coverage gaps
• Portability 
• Tax savings
• Higher morale
• And more… 

Now is the time for your clients to move forward with a more tailored approach to employee benefits - one that will help their employees through this difficult time and ensure they can maintain their bottom line as well. Get info to help them understand the role voluntary benefits can play!

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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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A healthy, resilient workforce is often described as the most valuable asset of any business. Yet many employers witness the deterioration of this asset due to health problems that result in absenteeism, excessive turnover, lost productivity, and higher insurance premiums — all of which can threaten profitability. Understanding the bond between corporate and employee health, as well as proactive measures employers can implement to resolve the enormous challenges employee health costs create, is critical for brokers and HR managers alike.

Download this eBook now to get more information on why your clients should establish workplace health programs and how voluntary employee benefits can help. You will learn about:

• Four targets to help reduce healthcare costs
• The economics of a healthy workplace and why it’s a win-win strategy
• How improving employee wellness increases clients’ financial health
• Ways small steps can yield huge results
• Tactics for designing effective and engaging workplace wellness programs

Making sure your clients’ employees stay healthy can get pricey, but continuing health problems cost far more. Helping clients make even incremental improvements can make a big difference and show your value as a trusted partner. 

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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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With recent social distancing policies, workforces are struggling to get in-person care for their chronic back and joint pain; meanwhile social isolation is compounding the mental health issues that come with chronic pain. Depression and chronic musculoskeletal (MSK) pain are deeply connected and can create a troubling cycle. They are also more common than you think, come with high costs, and are a top 5 reason for absenteeism and presenteeism. Many employers are exploring holistic interventions to help employees break the cycle of emotional and physical pain, and as a way to keep healthcare costs lower and help their organizations overall.

Download this white paper now for key insights on the challenges depression tied with pain can cause and how brokers and employers can help solve them. Key topics discussed include:

• Loss of productivity due to depression or impairment
• An increase in job errors and workplace conflict
• Higher healthcare costs from treatment and disability claims
• 3 steps employers can take to tackle pain and depression

PLUS – learn how one company is addressing high MSK spend while giving their members access to at-home digital care for behavioral health and chronic pain and the promising results they had. 

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New benefit trends are emerging quickly, and one thing is clear: the one-size-fits-all approach isn’t enough for employers to keep high-caliber talent on staff. Tailored benefits offer a win-win approach, with many addressing troublesome coverage gaps. The most important way to move forward is knowing how to effectively tailor benefits to give your clients and their employees the greatest advantage.

Download this eBook now to learn about the best ways to tailor benefits – which is the #1 hot benefit trend for 2020. You’ll get insights on three other key industry trends and how to help your clients address them, including:

• Top ways to tackle mental health challenges
• Designing a successful wellness program to be about well-being and self-care
• The rise in fertility treatment benefits

Start the decade strong – coach your clients to address these trends and boost their recruitment and retention strategies.

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When employees suffer from chronic musculoskeletal pain, surgeries and pain medication are often overutilized, causing medical claims costs to rise. When an employer can offer alternative options that don’t include unnecessary surgeries or procedures, it can make a real difference, both in terms of the care employees receive and the organization’s bottom line. 

Download this case study now to understand how employers can reduce medical spending and help their employees reduce chronic pain with a digital care program. Life changing outcomes may include reductions in:

• Lost work days by employees
• Physical pain, anxiety & depression
• Medical claims that negatively impact employers’ bottom line and employees’ out-of-pocket expenses

See how Vail Resorts, a premier mountain resort company, tackled pain, mental health, and productivity in their workforce. 

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

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

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

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

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