Resource Center

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.

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.

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.

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. 

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.

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.

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.

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 help clients remember this as they weigh future benefits options.

Download this white paper now to learn how to ensure your clients’ benefits offerings create a happy marriage of technology and humanity that will meet their 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 help your clients ensure their employees have optimal patient experiences in this new era of telehealth. Get a picture of the best case scenario so you can replicate it.

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.

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.

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.

The need for your clients to keep organizational costs low is higher than ever before, as the economy attempts to bounce back from the effects of the pandemic. However, the worst thing they can do right now is to make rash, ad hoc decisions about budgets and benefits without weighing the pros and cons. You can help them think through the answers to key questions that touch on furloughs or employee reductions, fund reallocation, the cost of a remote workforce, and the ability to maintain benefits.

Download this guide on how you and your clients can answer these questions, as well as 6 tips on how to reduce costs during the pandemic, including:

• The advantages of short-term eliminations or reductions
• Ways to reduce rather than freeze costs
• How to plan to budget and cut once for the year
• What costs clients should prioritize 
• Plus much more… 

Remember, when budgeting, protect the employee’s experience and productivity. Utilize these tips to help clients plan and cut costs effectively.

The pressure to keep organizational costs low is higher  than ever before, as the economy attempts to bounce back from the effects of the pandemic. However, the worst thing you can do is make rash, ad hoc decisions about your budgets and benefits without weighing the pros and cons. Now is the time to think through the answers to key questions that touch on furloughs or employee reductions, fund reallocation, the cost of a remote workforce, and the ability to maintain benefits.

Download this guide on how you can answer these questions, plus 6 tips on how to reduce costs during the pandemic; including:

• The advantages of short-term eliminations or reductions
• Ways to reduce rather than freeze costs
• How to plan to budget and cut once this year
• What costs you should prioritize 
• Plus much more… 

Remember when budgeting, first and foremost, protect your employee experience and productivity. Utilize these tips to plan and cut costs effectively.

As health care benefits continue to grow more complex, it becomes challenging to sort through the different options. Benefits decision support systems are here to help, but not all of them are created equal. As your employees pay closer attention to their health care options this year due to the pandemic, a benefits decision support system will help them determine what they need. 

Download this guide to understand what benefits decision support is and what it is not, and how to choose the right tool for your organization. You will also learn:

• How to sort through often confusing insurance choices.
• Ways to overcome the inability to predict what health care your employees will actually use.
• The answers to the complicated math, based on flawed assumptions about risk.

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. 

As health care benefits continue to grow more complex, it becomes challenging to sort through the different options. Benefits decision support systems are here to help, but not all of them are created equal. As your clients hone in on health care options due to the pandemic, benefits decision support will help them determine what they need. 

Download this guide to understand what benefits decision support is and what it is not, and how to guide clients toward the right tool. Plus, you will learn:

• How to help clients sort through confusing insurance choices.
• Ways to overcome the inability to predict what health care clients’ employees will actually use.
• The answers to complicated math, based on flawed assumptions about risk.

Without question, employees have and continue to experience dramatic and lingering changes to their lives caused by the COVID-19 pandemic. The virus has especially taken a toll on mental health, with nearly half of respondents in a new study indicating the pandemic has negatively impacted it. Now is your chance to show clients how they can help employees cope with these fears and strains in an effective and safe way.

Download this article now to learn how to help clients remove barriers preventing worker access to virtual mental healthcare. Two key steps outlined will show clients how to:

• Understand the impact the pandemic may have on employees’ lives, ranging from problems sleeping and low energy, to anxiety and PTSD
• Reduce the stigma around mental health while empowering workers to get the care they need through better communication and education

Helping clients to expand virtual mental health services will in turn offset spending on conditions that otherwise go unattended. Even when the pandemic ends, access and continued use of virtual care will remain part of the norm.

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!

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.

262316  08/20

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. 

Between critical shifts in healthcare and the mass movement to a virtual workplace, the benefits industry is on the brink of a revolution. Now more than ever, your clients are looking to you for guidance. As we move into open enrollment season, do you have the tools to succeed in this new world?

Download this playbook to get four key strategies you can use to give your clients what they need, when they need it. This includes how to:

• Increase productivity and streamline your workflow, ensuring accurate client data is at your fingertips.
• Create and communicate your winning strategy to clients.
• Provide clients with a seamless experience on both digital and traditional channels.
• Increase client satisfaction to renew and retain more business.

Act now to find a better way to tackle renewal season. Learn how you can reduce stress, more easily upsell new solutions, and win business.

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.

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.

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.

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.

Even in a healthy economy and without a pandemic, employee financial health has a big impact on your clients. Financially healthy employees are more engaged, more productive, and more likely to stick around. The chaos created by COVID-19 only increased the sense of urgency to have options in place to help scared and hurting workers. While financial wellness is not a pandemic-specific need, it is now top of mind for clients.

Watch this on-demand webinar now to get a better understanding of how you can design a financial wellness program for clients that will boost employee loyalty and satisfaction. This includes how to:

• Create a pathway for employees to resolve short-term financial emergencies
• Offer free and worthwhile financial counseling
• Implement scalable employee-focused benefits that require zero extra budget

Discover how the City of Phoenix put their financial wellness program into practice and how your clients can duplicate their success. Take steps now to ensure your clients provide what their employees need.

Even in a healthy economy and without a pandemic, employee financial health has a big impact on your organization. Financially healthy employees are more engaged, more productive, and more likely to stick around. The chaos created by COVID-19 only increased the sense of urgency to have options in place to help your scared and hurting workers. While financial wellness is not a pandemic-specific need, it is now likely top of mind for most employers.

Watch this on-demand webinar now to get a better understanding of how you can design a financial wellness program that boosts employee loyalty and satisfaction. This includes how to:

• Create a pathway for employees to resolve short-term financial emergencies
• Offer free and worthwhile financial counseling
• Implement scalable employee-focused benefits that require zero extra budget

Discover how the City of Phoenix put their financial wellness program into practice and how you can duplicate their success. Take steps now to ensure you provide employees what they need.

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.

Your small business clients and prospects feel unprecedented pressure from the damage the pandemic continues to do to the economy. Now is a great time to show that you understand a small business owner’s decision-making process and establish yourself as their MVP. You must demonstrate that you can service their business and their employees’ unique needs, especially now.

Download this study now to get insights to help you serve small-business clients and prospects, including:

• Knowledge gaps you should be aware of in your communications
• A 4 step-strategy to help you increase your value with better engagement 
• Tactics to help them be more efficient and effective

Because small businesses owners wear many hats and are always looking to be smarter with their money, your expertise is crucial. Help owners navigate a continuous flow of conflicting demands so they can do what’s best for their employees and bottom line.

As the country starts to move to the next stages of reopening, you have a unique opportunity to help clients develop responsible return-to-work plans. By helping them offer and implement a comprehensive virtual care solution, clients can ensure employee safety remains a top priority. Your assistance in this process could be invaluable. 

Download this guide now to learn about key factors your clients must consider as they make their plans and receive 5 tips that will help them re-open with confidence. Topics covered include:

• The benefits of virtual care, such as increased access to high-quality care and virtual mental health consultations
• The importance of staying informed about local pandemic data trends
• Different tactics clients can use as they contemplate a return
• Specific recommendations for monitoring employee health and what to do if an employee tests positive for COVID-19
• And more… 

Act now to give your clients the guidance they need in this uncertain time.

Employers are always looking for new and better ways to increase return on investment. This is especially key in areas such as health benefits or financial wellness programs. However, it’s difficult to know what success looks like and how to measure your progress. It helps to examine how another company made it work and follow their lead to boost savings. 

Download this case study now to get insights on how to drive a successful consumer-directed health strategy. You will learn:

• How to increase enrollment in consumer deductible health plans (CDHPs) and Health Savings Accounts (HSAs) 
• Ways to improve employee financial wellness
• Where savings for your organization can come from

You don’t have to reinvent the wheel when it comes to reaching your goals. Use the lessons of others to improve ROI.

Your employer clients are always looking for new and better ways to increase return on investment. This is especially key in areas such as health benefits or financial wellness programs. However, it’s difficult to know what success looks like and how clients can measure their progress. It helps to examine how another company made it work and show clients how to follow their lead to boost savings. 

Download this case study now to get insights on how clients can drive a successful consumer-directed health strategy. You will learn:

• How to increase enrollment in consumer deductible health plans (CDHPs) and Health Savings Accounts (HSAs) 
• Ways to improve employee financial wellness
• Where savings can come from

Your clients don’t have to reinvent the wheel when it comes to reaching their goals. Use the lessons of others to help them improve ROI.

Many Americans say they are concerned about their finances, but saving money is not something they do easily, or well. While it’s not your responsibility to improve workers’ saving or spending habits, offering financial wellness solutions can relieve stress and improve productivity. Understanding what employees want and need when it comes to financial freedom and how you can help is key to your benefits strategy.

Download this white paper now to get insights on how to help employees stay financially free so they are happy and more productive. Topics discussed include:

• How debt affects the way workers perform
• Why employees are in desperate need of financial benefits 
• Common misconceptions about financial wellness benefits
• Financial loan programs and how they work to help employees break free from the cycle of debt
• And more… 

Find out how you can help your workforce get financial freedom!

Many Americans say they are concerned about their finances, but saving money is not something they do easily, or well. While it’s not your clients’ responsibility to improve their workers’ saving or spending habits, offering financial wellness solutions can relieve stress and improve productivity. Help your clients understand what their employees want and need when it comes to financial freedom,how they can help, and how it may benefit their organization.

Download this white paper now to get insights on how to help clients make employees financially free so they are happy and more productive. Topics discussed include:

• How debt affects the way workers perform
• Why employees are in desperate need of financial benefits 
• Common misconceptions about financial wellness benefits
• Financial loan programs and how they work to help employees break free from the cycle of debt
• And more… 

Find out how you can help your clients and their workforce get financial freedom! 

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.

In this unprecedented time, establishing trust with your team, partners, and clients is more important than ever. And while it’s easy to say you need to focus on relationships, it can be difficult to achieve. It doesn’t have to be. By embracing tools that will give you access to information at the snap of your fingers, you can strengthen the bonds that matter most to your business.

Download this infographic now to get simple tips to help you leverage data to improve connections with clients, employees, and carriers. You will discover how to tackle problems such as:

• A lack of transparency surrounding critical information for clients
• The need for more accountability and openness with your employees about performance
• Incorrect or missing commission payments

Act now to learn how you can harness data to grow your business. Help your team thrive, prove your value, and show you are not just a broker, but a trusted partner.

It’s likely a challenge you face every year: It’s difficult to drive ROI for your benefits program because your employees don’t choose the right plans. This is because employees feel they don’t have enough information to make the right choice. Often this lack of knowledge around healthcare benefits leads to passive behavior or total avoidance. But  the right messaging at the right time can help you overcome specific challenges and drive employee engagement. 

Download this white paper now to learn how you can connect with employees and guide them to the best plan options. This includes:

• Fine tuning your communication strategy by varying frequency and  channel
• Simplifying the decision-making process so it’s clear and concise
• Providing various support tools that make enrollment easier
• And more… 

As open enrollment gets closer, your employees rely on you for guidance and information. Act now to increase engagement, save money, and achieve your organization’s goals.

Helping to drive ROI on your clients’ benefits programs requires guiding employees to the right plans. However, this is difficult because employees don’t have enough information to make the right choice. Often this lack of knowledge around healthcare benefits then leads to passive behavior or total avoidance. But the right messaging at the right time can help overcome specific challenges and drive employee engagement.

Download this white paper now to learn how you can help clients connect with employees and guide them to the best plan options. This includes helping clients to:

• Fine tune their communication strategy by varying frequency and channel
• Simplify the decision-making process so it’s clear and concise
• Use tools that make enrollment easy 
• And more… 

As open enrollment gets closer, your clients look to you for guidance. Act now to help them save money, increase engagement, and show yourself as a valuable member of the team.

The answer to two questions could be the key to unlocking your potential: Why are some retirement plan advisors more successful than others? How do they consistently generate new business when relatively few plans change recordkeepers in any given year?

As you look to generate and sustain new business, you know a comprehensive, multi-channel strategy can work. But it’s hard to build awareness and drive engagement while also trying to build lasting relationships. You need a mix of marketing tactics that will enable, educate, and excite clients as they consider options for retirement and shorten your sales cycle.

Download this white paper now for ideas and a task list to help you build awareness and trust, ensuring that every conversation with prospects and clients counts. You will discover:

• Specific tips for prospecting successfully, including identifying ideal clients and how to broaden your reach
• Why targeting “hot spots”and leveraging your expertise to educate potential clients is critical
• Ways to drive engagement by becoming a problem solver and staying ahead of the curve
• And more...

Learn how you can achieve your goals by connecting with prospects and clients over time, allowing them to see you as a valued resource and partner. Get your game plan for an inspired marketing strategy now! 

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

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

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

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

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

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.

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.

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!

During this time of increasing stress, the global mental health crisis is no longer something employers can ignore. Many of your clients’ employees experience undiagnosed mental health issues, and as they struggle to cope with problems, it interferes with (and limits) both their work and life. While your clients may know it is imperative to improve access to mental healthcare and reduce the stigma associated with mental health conditions, they may not know how to achieve these goals. However, you can help.

Download this report now to get insights on how many employees feel about mental health and what the responses can teach your clients. Topics discussed include: 

• The size and scope of the problem, including how much it affects younger workers
• Why many employees don’t seek help
• What employees want from their leaders
• Four recommendations  your clients can implement to advance mental health resources and support

Employees may be feeling more stress now than ever, harming productivity and ultimately hurting clients’ bottom line. Take steps now to show them how to give workers the resources they need.

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.

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. 

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.

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. 

From celebrities and media, to close friends and family, there is a noted uptick in mental health conversations around the world. However, one clear exception continues to be in the workforce, where concerns about the stigma and the negative impact it may have on careers continues to dominate. Because of this your clients likely need help fostering an environment that is supportive of mental health discussions in their workplace.

Download this conversation guide now to use as a tool with clients and help them embrace productive and successful mental health discussions with employees. Topics covered include:

• What needs to happen with body language
• Why confidentiality is key
• Specific tips on what needs to be conveyed during the conversation
• How to follow-up on these types of discussions well

There is no health without mental health, so your clients need your assistance to ensure mental wellness is valued from the top and visibly endorsed by their CEO and all managers. Give your clients the helping hand they need to make sure their employees stay satisfied and productive.

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.

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. 

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!

With the incredibly tight talent market impacting all industries, companies continue to look for ways to keep key employees close and health care costs down. To keep top talent from looking for greener pastures elsewhere, employers must help them navigate common twists and turns in the game of life. This includes health and life stage changes which can be expensive – reducing productivity and lowering job/benefits satisfaction. 

Download this infographic now to see a direct comparison between employees with standard medical plans and those with a unique type of supplemental health insurance. Find out how life can be drastically different when:

• A certain medication isn’t covered, 
• An entire family comes down with the flu,
• A family member has changes to their vision,
• Or other major health/life events occur.

Get the facts about different coverages so your clients can make a better choice for their employees. Use this infographic to help employees win in the game of life.