Resource Center

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

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

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

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

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With high expectations for growth and competition for hiring new talent, many companies are focused on compensation packages and retention strategies. Flexible workforce policies and practices are essential, but employers also need a strong focus on the emotional wellbeing of employees. It’s critical to create a  people strategy that aligns with overall business goals.

Download this complimentary 32-page report, which highlights key insights and takeaways from the 2021 Benefits Strategy and Benchmarking Survey, to learn more about: 

• Sustainably supporting employee wellbeing to optimize organizational success
• Building a more engaged and resilient workforce
• Mitigating health costs through better benefits planning
• Developing successful strategies for attracting and retaining key talent

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When you bring ancillary benefits to clients, you help them protect their employees from the unexpected and compete for great workers, all while building your business and deepening client relationships. However, during enrollment, many brokers find themselves over-involved, taking time away from getting in front of more clients.  To combat this, smart brokers leverage new tools that are available and help from partners to simplify their processes.

In this guide you’ll find out why you’re overwhelmed with your clients’ benefit enrollments and how you can get your time back while still ensuring a great client experience. Download it now and find solutions to these problems:

• The time-intensive benefits education process
• Manual effort and outdated systems causing error and delay
• Reporting and tracking inefficiencies 
• Adding employees outside of normal open enrollment
• And more!

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Do you know how to use your online presence to attract the right prospects and understand your competition? According to Statista, 60% of consumers look for local businesses online. Targeting your local market is essential for benefits brokers. To accomplish this, you must create tailored local online marketing campaigns. 

Download this white paper to learn simple strategies for digital marketing techniques like technical SEO, content optimization, email marketing and more. Covered topics include: 

• How to maximize online content for greater visibility
• The factors that determine online ranking 
• SEO tips and tactics
• And more!

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In a 2020 study, 97% of employers reported they are committed to improving their employee  health and wellness programs over the next few years. Companies that  focus on mental, emotional and financial health along with their employees’ physical health can increase productivity and attract new talent because generations Y and Z prioritize “whole person well-being” packages when looking for employment.

Download this report to help your clients navigate this changing perception in health care to benefit their business. You will learn:

• How whole-person well-being works
• What a focus on well-being means for your clients and their employees’ productivity
• How a plan for employee well-being can help their business

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In a 2020 study, 97% of employers reported they are committed to improving their employee health and wellness programs over the next few years. Companies that  focus on mental, emotional and financial health along with their employees’ physical health can increase productivity and attract new talent because generations Y and Z prioritize “whole person well-being”  packages when looking for employment.

Download this report to discover how this changing perception in health care can benefit not only your employees’ and their productivity, but also your business. You will learn:

• How whole-person well-being works
• What a focus on well-being means for your employees’ productivity
• How a plan for employee well-being can help your business

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Low EAP utilization by employees often makes wellness programs a low-value investment for employers. The concept of “Digital Health” has emerged to address the gaps and failures of existing health benefits models. The promise of digital health technology has spurred record levels of investment in the digital health sector over the past five quarters. 

Download this guide to sift through the array of digital health and wellness products out there. Learn what you need to know in order to make a sound decision that meets the goals of your company and department, including:

• Investment trends in digital health and wellness
• What to look for in partners and vendors
• Questions to ask to find the best solution
• Services, risk management and distribution of digital health programs
• Bonus: Employer Activation White Paper

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Although the vast majority of employers invest in workplace wellness, low EAP utilization often makes wellness programs a low-value investment for employers. The concept of “Digital Health” has emerged, in part, to address the gaps and failures of existing models. The promise of digital health technology has since spurred record levels of investment in the digital health sector over the past five quarters. 

Download this guide to help your clients sift through the array of digital health and wellness products out there and learn what they need to know in order to make sound decisions to meet their goals; including:

• Investment trends in digital health and wellness
• What to look for in partners and vendors
• Questions to ask to find the best solution
• Services, risk management and distribution of digital health programs
• Bonus: Employer Activation White Paper

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

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

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

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

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As your clients return to the workplace, they may find their employees are facing unique mental health challenges. Creating a return-to-office strategy can be overwhelming and stressful. They need to develop a thoughtful and inclusive approach, rooted in evidence-based strategies, to navigate the future of their organizations and enable employees to do their best work.

Download this guide to help your clients make these decisions for their workplaces which  includes:

• Evidence-based strategies for developing an inclusive workplace culture
• Guidance on how transitions may impact employees differently
• Communication templates to share with leaders, managers and employees

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COVID-19 has significantly reshaped employee work patterns, signaling urgent need for organizations to enhance commuter benefits and remote work support.

In Q2 2021, HealthEquity surveyed 1,000+ full-time employees who transitioned to at least part-time remote work because of the pandemic. 

Download the latest eBook from HealthEquity to dive into the research. You’ll discover important trends along with strategies employers can use to meet evolving employee expectations.

In just a few pages, we cover: 

• Attitudes and preferences regarding remote work
• The evolution of benefits during COVID-19
• What drives employee satisfaction
• How employees prioritize their benefits 

These insights will change the way you and your employer clients think about employee benefits as we transition into the “new normal.”

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As your company returns to the workplace, you may find your employees are facing unique mental health challenges. Creating a return-to-office strategy  can be overwhelming and stressful. You need to develop a thoughtful and inclusive approach, rooted in evidence-based strategies, to navigate the future of your organization and enable employees to do their best work.

Download this guide to help you make these decisions for your workplace which includes:

• Evidence-based strategies for developing an inclusive workplace culture
• Guidance on how this transition may impact employees differently
• Communication templates to share with leaders, managers and employees

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Your clients are constantly facing new challenges and need to adjust to the evolving benefit world, including virtual care, support for mental health, and financial well-being. This is your chance to show them you are a benefit broker who thinks differently – by offering innovative, flexible solutions that tackle today’s problems.

Download this guide now to understand how you can add value, and how to start important conversations with clients. This includes asking six key questions, such as:

• How has employee turnover changed or increased this year? 
• What employee groups are especially difficult to recruit? 
• What are you hearing from employees? 
• And more… 

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

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As you look to help your employees, you know that many blanket wellness programs, especially employee assistance programs (EAPs), aren’t able to provide the personalized approach your bottom line and your workforce might benefit from most. If you could create targeted interventions, tailored to meet employees’ specific needs, they could actually incite healthier behaviors and happier, more engaged employees. 

Download this white paper now to get a better understanding of what a successful, targeted invention looks like, and five mistakes you should avoid. These include why you should not:

• Rely solely on medical claims data
• Make quick ROI the primary goal
• Expect to launch an intervention and then think you’re done
• And more… 

Designing effective interventions requires deep, actionable insights into your members’ risk profiles and gaps in care. Take steps to ensure you succeed.

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Throughout the U.S., employers, insurance companies, and Federal agencies are working furiously to lower healthcare costs while simultaneously improving health outcomes. However, the lack of effective wellness programs delivered through traditional channels paves the way for the promise of Digital Health. The hope is that it will become a new catalyst to drive savings and actually improve health. But it’s important that any solution meets your clients’ unique needs.

Download this white paper now to identify digital health programs that can help your clients lower costs. A program that works will see high employee use and to find that, clients can follow three steps:

• Use a checklist to select the right options 
• Create a plan to successfully activate any new program
• Determine how to measure the success of  the new tools over time

Take steps now to help clients drive higher utilization of benefits through immersive experiences, intrinsic rewards and effective storytelling.

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Throughout the U.S., employers, insurance companies, and Federal agencies are working furiously to lower healthcare costs while simultaneously improving health outcomes. However, the lack of effective wellness programs delivered through traditional channels paves the way for the promise of Digital Health. The hope is that it will become a new catalyst to drive savings for your organization and actually improve employees’ health. But it’s important that any solution meets your unique needs.

Download this white paper now to identify digital health programs that can help lower costs. A program that works will see high employee use and to find that, you can follow three steps:

• Use a checklist to select the right options for your business 
• Create a plan to successfully activate any new program
• Determine how you will measure the success of your new tools over time

Take steps now to drive higher utilization of benefits through immersive experiences, intrinsic rewards and effective storytelling.

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As the annual enrollment season approaches, it’s more important than ever for benefits professionals to disrupt common HSA myths. Misunderstanding and inaccurate beliefs significantly hinder HSA adoption. 

Download this eBook now for unique insights that can help you educate and inform your clients and members. Inside, you’ll discover:

• 10 common HSA myths
• How HSAs differ from FSAs 
• Ways HSAs can boost retirement readiness 
• Spending and saving strategies 
• And more... 

Take a few minutes to share this with your clients in the run up to annual enrollment. They’ll appreciate the extra support.

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

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

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

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

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Your clients want to lower their healthcare costs while creating a culture of wellness, elevating employee morale and improving productivity. New research uncovers the important role brokers play in helping their clients select the best wellness programs for their employees.

Download this guide to help your clients choose the best benefits for their organizations. You will learn:

• 5 top considerations when purchasing a wellness program
• The differences between standalone and embedded programs
• 7 key findings across the buyer’s journey

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As you implement mental health care programs for employees, you already know it’s difficult to achieve something that fosters a sense of belonging, acknowledges cultural diversity, and considers intersecting social identities. No one doubts the need for more diversity among mental health professionals, but research confirms it’s not enough. Now is the time to figure out how to deliver better outcomes.

Download this white paper now to get tips on how cultural humility – appreciating the dimensions of cultural identity most important to the individual while recognizing that their cultural experience can’t be learned or fully understood – can make a difference. You will also learn about:

• The urgency of cultural humility training (Spoiler alert: It’s more important than cultural competence)
• The essential elements of cultural humility development and measurement
• The all-important pathway from cultural humility to belonging
• Ways to ensure access to culturally-centered care

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It’s easy to tell your clients they need to offer their employees mental health care, but it’s harder to ensure they get something that fosters a sense of belonging, acknowledges cultural diversity, and considers intersecting social identities. No one doubts the need for more diversity among mental health professionals, but research confirms it’s not enough. Your clients need your help to deliver better outcomes.

Download this white paper now to get tips on how cultural humility – appreciating the dimensions of cultural identity most important to the individual while recognizing that their cultural experience can’t be learned or fully understood – can make a difference. You will also learn about:

• The urgency of cultural humility training (Spoiler alert: It’s more important than cultural competence)
• The essential elements of cultural humility development and measurement
• The all-important pathway from cultural humility to belonging
• Ways to ensure access to culturally-centered care

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For the right audience, the captive concept can be an easy sell. Many clients are tired of chasing the cheapest rate and changing carriers each year. It’s time to offer long-term strategies for healthcare, similar to what they have for all of their other expenses. A captive model can help do that.

Download this guide now for five reasons many brokers decide to partner with a captive and how it can help their clients, including:

• Ways it can dramatically increase your ability to write new business
• Better cost containment and access to better pricing - particularly for mid-sized employers
• A higher retention rate with no hidden agendas
• And more…

Flip the narrative for clients so primary care is no longer about being sick, but staying well. “Insurance as usual” doesn’t have to be that way for your clients.

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As you search for ways to give employees a more holistic benefits package, it helps to look at options outside of traditional health care. This is where lifestyle benefits can come into play. They can make a compensation package more attractive and are easy to customize and implement.

Download this eBook now to get a better understanding of lifestyle benefits, as well as how you can add them to your existing packages. Topics discussed include:

• The different types of lifestyle benefits available
• A list of reasons of why you should add lifestyle benefits
• Answers to frequently asked questions about lifestyle benefits
• And more…

Discover how you can tailor lifestyle benefits to your employees’ specific needs and boost employee satisfaction.

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As your clients search for ways to give employees a more holistic benefits package, they expect you to offer them options outside of traditional health benefits. This is where lifestyle benefits can come into play. They can make a compensation package more attractive and are easy to customize and implement.

Download this eBook now to get a better understanding of lifestyle benefits, as well as how you can add them to your existing packages. Topics discussed include:

• The different types of lifestyle benefits available
• A list of reasons for clients about why they should add lifestyle benefits
• Answers to frequently asked questions about lifestyle benefits
• And more…

Discover how you can tailor lifestyle benefits to a clients’ specific needs and help them boost employee satisfaction.

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

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

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

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

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Successful brokers have a plan in place to make sure they are ready for the challenges of open enrollment.  Preparation is key to handling your clients and quoting more business quickly and efficiently in this critical time. It’s also crucial to know what to expect this year in particular and have the right tools ready to make this your best enrollment season yet.

Download his guide to receive tips to help prepare you for a successful open enrollment and close more sales. Topics discussed include:

• Trends for small groups
• Getting to know your audience
• Refreshing your knowledge of specific groups’ needs
• Staying organized
• Retaining your existing clients
• And more... 

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Whether your clients are already using self-funded insurance or are thinking about making the move, it’s an attractive path forward to avoid paying premiums to an insurance carrier. However, the risk remains that one employees’ expensive medical condition could have a catastrophic effect on the bottom line. They need you to show them ways to minimize this type of financial risk.

Download this guide to understand how clients can use a digital approach that catches problems before they happen by encouraging healthy employee behavior to improve outcomes. These strategies include:

• Disease management through monitoring medication, vitals, physical activity, and more
• Prevention of health crises rather than reaction to them
• How to fulfill the goal of holistic care with digital tools

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Whether you’re already using self-funded insurance or considering a move, it’s attractive because you can avoid paying premiums to an insurance carrier. However, one expensive medical condition could have a catastrophic effect on your bottom line. To make self-funded insurance work, you need ways to minimize this type of financial risk.

Download this guide to understand how you can use a digital approach that catches problems before they happen by encouraging healthy employee behavior to improve outcomes. These strategies include:

• Disease management through monitoring medication, vitals, physical activity, and more
• Prevention of health crises rather than reaction to them
• How to fulfill the goal of holistic care with digital tools

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The Healthcare Price Transparency Rule is rooted in an executive order on healthcare price and quality transparency that was issued in June 2019. The move was part of a larger push to use price transparency to curtail price increases and enable patients to compare the cost of services when making healthcare decisions. But the devil is proving to be in the details for payers, consumers, hospitals and employers.

While the initial rule is focused on hospitals, there are requirements being imposed on health plans, as well. To help you better understand the Healthcare Price Transparency Rule and its implications, this white paper presents the latest information on:

• The healthcare price transparency regulation
• How the regulation will impact a multitude of parties including payers (especially self-insured plans), consumers, hospitals and employers
• Implications of regulation beyond compliance with its requirements and the likely regulation fallout
• How Third Party Administrators (TPAs) can help your clients navigate the choppy waters of price transparency
• And more...

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

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

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

 

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

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

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Every year, you work hard to deliver benefits and resources to improve the health of your workforce. Adding additional offerings may help, but how do you measure if they actually improve employees’ health outcomes? The answer is in how you leverage data about your workforce.

Download this guide for insights on how you can use actionable intelligence to create a benefits program that actually delivers better health outcomes. This addresses six key ways, including how to: 

• Answer your most pressing questions quickly through data
• Focus on strategies that mitigate risk and decrease costs
• Reallocate the budget/time currently dedicated toward manual tasks
• And more...

 

GENERAL DISCLAIMER

SPRINGBUK, INC.

External Links

The appearance of external links on the Springbuk Web Site does not constitute an endorsement of the products, services, or opinions of the author by Springbuk Inc. Any links are being provided as a convenience and for informational purposes only. Springbuk Inc. bears no responsibility for the accuracy, legality or content of the linked external site or links beyond the initial link. You are subject to that site's privacy policy when you leave our site. 

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Open enrollment season brings incredible opportunities for organizations to engage and educate their people. This year, learn how to make a bigger impact with less effort.   

Download this white paper to discover five strategies organizations can use to empower smarter spending and enable employees to take control of their healthcare.

What’s inside: 

• How to take advantage of the latest benefits trends 
• The importance of active (versus passive) open enrollment  
• Tools to promote price shopping 
• Ways to engage employees across multiple platforms 
• And more...

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Navigating the complex healthcare system is always a challenge, so creating a more frictionless experience for employees is a top priority. And understanding how the highly-fragmented system for musculoskeletal (MSK) care leads to suboptimal outcomes is the first step to making things better.

Download this report now for insights into the current experience, which is often poorly coordinated resulting in conflicting treatment advice that leads to inefficient and ineffective care, with poor outcomes and a hefty price tag. You will also learn:

• What many employees say they want (spoiler alert: it’s holistic)
• Ways integrated virtual care can provide what they seek
• How to break free of the current tunnel-vision approach
• And more... 

Discover how you can make sure the benefits you offer take a patient-centered approach and change the paradigm.

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Mental health is a global crisis, and since the pandemic, it’s only gotten worse. Many companies turned to digital platforms for help, but those options are often not up to the task.   If websites are not working or difficult to access, your clients’ employees are unlikely to engage. Clients look to you to help them get more out of their investment in mental health benefits.

Download this guide to learn about solutions that give clients and their employees mental health resources they can and will actually use. You will also discover how to help clients:

• Choose the right solution for their organization
• Increase employee use of current resources
• Use behavioral data to increase a platform’s value 
• And more...

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Navigating the complex healthcare system is always a challenge, so creating a more frictionless experience for your clients and their employees is a top priority. And understanding how the highly-fragmented system for musculoskeletal (MSK) care leads to suboptimal outcomes is the first step to making things better.

Download this report now for insights into the current experience, which is often poorly coordinated resulting in conflicting treatment advice that leads to inefficient and ineffective care, with poor outcomes and a hefty price tag for employers and health plans. You will also learn:

• What many employees say they want (spoiler alert: it’s holistic)
• Ways integrated virtual care can provide what they seek
• How to break free of the current tunnel-vision approach
• And more... 

Discover how you and your clients can make sure the benefits you offer take a patient-centered approach and change the paradigm.

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Mental health is a global crisis, and since the pandemic, it’s only gotten worse. You may have turned to digital platforms for help, but those options may not be up to the task. If websites  are not working or difficult to access, your employees are unlikely to engage. You need a solution that will help ensure you get more out of your investment in mental health benefits.

Download this guide to learn about solutions that give employees access to the mental health resources they can and will actually use. You will also discover how to:

• Choose the right solution for your organization
• Increase employee use of current resources 
• Use behavioral data to increase a platform’s value 
• And more...

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One of the toughest parts of open enrollment for your clients’ employees can be the complicated paperwork. The ability to make plan selections online is becoming more crucial by the minute. To ensure you properly prepare for open enrollment, you need a way to lay plans out with a full benefits package, and do so securely.

It’s key that you set expectations and explain the open enrollment process well so every individual understands what they need to do. Download this guide for insights on how to: 

• Simplify the selection process for employees
• Give online account access  
• Maintain open communication
• Set up notifications for yourself & clients
• Make groups feel secure online

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

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

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

At HealthEquity, thought leadership is not just about producing interesting content (although we love to dish up fresh insights on topics you care about most). More than that, it’s about sparking meaningful dialogue. We want this paper to be a springboard to a larger conversation. And that reflects how we support the benefits advisors we work with.

So, check out the paper. Then let us know when you’d like to take a deeper dive into proven cost saving strategies. We’ll help you turn ideas into tools you can use to wow clients and reinforce the value you bring to market. 

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

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

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

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

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More than 10% of Americans have diabetes*. It is one of the most expensive diseases affecting U.S. employers today**. This is a growing problem for your clients because employees with diabetes may experience reduced productivity, more sick days, and higher stress levels, costing clients and their employees both time and money. Any help you can provide in limiting these issues can make a huge difference.

Download this white paper now for three best practices to help your clients aid employees in managing the course and cost of diabetes. You will also get insights on:

• Why proper disease management cannot just pause during the workday and how to tackle the problem  
• What role your clients can play by providing a company-sponsored solution
• How to leverage the many advantages of improving diabetes management for clients

Enable your clients to help employees with diabetes improve their health and productivity using these ideas.

 

*CDC. National Diabetes Statistics Report, 2020 Estimates of Diabetes and Its Burden in the United States. https://www.cdc.gov/diabetes/pdfs/data/statistics/national-diabetes-statistics-report.pdf

**Gallup-Sharecare Wellbeing Index. The Cost of Diabetes in the US: Economic and Well-Being Impact, November 2017. 

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More than 10% of Americans have diabetes*. It is one of the most expensive diseases affecting U.S. employers today**. This is a growing problem because employees with diabetes may experience reduced productivity, more sick days, and higher stress levels, costing your organization time and money. Any way you can limit these issues can make a huge difference.

Download this white paper now for three best practices to manage the course and cost of diabetes. You will also get insights on:

• Why proper disease management cannot just pause during the workday and how to tackle the problem 
• What role you can play in providing a company-sponsored solution
• How to leverage the many advantages of improving diabetes management 

Take steps today to help employees with diabetes improve their health and productivity.

 

*CDC. National Diabetes Statistics Report, 2020 Estimates of Diabetes and Its Burden in the United States. https://www.cdc.gov/diabetes/pdfs/data/statistics/national-diabetes-statistics-report.pdf

**Gallup-Sharecare Wellbeing Index. The Cost of Diabetes in the US: Economic and Well-Being Impact, November 2017. 

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

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

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

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

 

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

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Also known as the Consolidated Omnibus Budget Reconciliation Act, COBRA is a complicated set of federal regulations and staying compliant can be tricky and time consuming. Failure to stay compliant can lead to lawsuits, fines, and other unpleasant scenarios, and even when you think you’re being diligent, it’s easy to slip up without realizing the mistake. 

Download this guide now to get a comprehensive overview of COBRA as well as how to avoid common mistakes. You will learn:

• The basics, including who qualifies for COBRA
• Which employers are required to administer COBRA
• Common events that trigger the activation of certain provisions
• Specific legal penalties and what standards all parties need to know
• Quick tips to make administration easier and avoid mistakes

Whether you are navigating COBRA for the first time or are a seasoned pro, using this comprehensive guide is a smart move to check your work and make sure no crucial steps are missed.

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Also known as the Consolidated Omnibus Budget Reconciliation Act, COBRA is a complicated set of federal regulations and staying compliant can be tricky and time consuming for your clients. Failure to stay compliant can lead to lawsuits, fines, and other unpleasant scenarios, and even when you and your clients think you’re being diligent, it’s easy to slip up without realizing the mistake. 

Download this guide now to get a comprehensive overview of COBRA as well as how to avoid common mistakes. You can use it to show clients:

• The basics, including who qualifies for COBRA
• Which employers are required to administer COBRA
• Common events that trigger the activation of certain provisions
• Specific legal penalties and what standards all parties need to know
• Quick tips to make administration easier and avoid mistakes

Whether clients are navigating COBRA for the first time or are seasoned pros, using this comprehensive guide is a smart move to make sure no crucial steps are missed. 

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Platforms for benefits management can help benefits advisors drive faster enrollment, quicker access to benefit information and better healthcare decisions. The right platform can also allow benefits advisors to customize plans, templatize plan options, streamline onboarding, offer 24/7 employee access and enhance group management. 

Download this eBook to discover the advantages of benefits management platforms and explore which platform may be right for you. Inside you’ll find:

• How to select the right benefits management platform to simplify business growth
• Innovative tools to find the best prospects with greater efficiency
• The latest technology solutions and their benefits

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Your clients want to get more bang for their buck, especially when it comes to programs designed to keep costs lower. For benefits like wellness programs, it’s important your clients see the difference they can make in reducing costs for their organization and their employees. A wellness program that works will also keep employees happy and more productive.

Download this case study now to understand how to provide clients with wellness solutions that actually produce cost savings for long-term participants. You will learn:

• The specific cost differences between high-engaged to low-engaged members
• How goals play a role in effective programs
• And more… 

Get fact-based evidence to show clients how to drive more ROI from wellness programs.

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

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

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

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

 

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

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

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When your clients, especially those at small businesses, become swamped with manual benefits tasks, they can’t focus on the higher-value parts of their job. They need your help to understand that end-to-end digital benefits can save them time, money and effort and allow them to focus on their people, not the benefits process. 

Download this handbook now to help clients embrace a better digital benefits experience. 5 key topics discussed include:

• Faster onboarding to get coverage up and running
• Simplified enrollment to alleviate the burden on HR
• Digitized employee information that’s easy to view and change
• Zero-reconciliation billing with simple click-to-pay
• Easier, automated claim processing

Take steps now to help clients make the dream of digital benefits a reality.

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Chronic pain is the second most common reason employees call in sick, next to the flu. Physical pain has a human cost in lost wages, reduced quality of life and ultimately workers’ mental health. People afflicted with back, neck, or joint pain often suffer from other chronic disorders including depression, heart disease, obesity, and diabetes, which influence their pain and increase the impact of their chronic condition.

Business and HR leaders are turning to digital musculoskeletal care as a scalable, convenient solution to tackle these high costs of pain. This report includes an incredible case study of a digital solution proven to increase employee productivity while reducing pain, opioid use and surgeries. 

Download this report to give your clients solutions to improve their benefits, reduce costs and improve productivity; including how to: 

• Foster greater collaboration between benefits and safety teams
• Improve efforts to educate employees about their benefits
• Provide comprehensive preventive care and treatment that includes exercise, mind-body therapies, and psychological or behavioral counseling
• Offer a digital solution that employees can access anywhere, anytime

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Most employers are somewhat aware of the cost of musculoskeletal pain in their workforce. People afflicted with back, neck or joint pain often suffer from other chronic disorders including depression, heart disease, obesity, and diabetes, which influence their pain and increase the impact of their chronic condition. 

This report dives into strategies to help employers save money on health care costs, reduce absenteeism and increase productivity, including how to:

• Foster greater collaboration between benefits and safety teams
• Improve efforts to educate employees about their benefits
• Provide comprehensive preventive care and treatment that includes exercise, mind-body therapies, and psychological or behavioral counseling
• Offer a digital solution that employees can access anywhere, anytime

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Restrictions are loosening, more people are vaccinated against COVID-19 and employers are making decisions about how to navigate their return-to-work plan. And after a year of working remotely, employees have new expectations and concerns. Employers have the opportunity to embrace the change and implement strategies that can be positive for everyone.

Download this eBook to discover four ways to create a successful new-normal workplace by responding to the changing needs of employees.

Inside you’ll find strategies to help employers ease the transition by:

• Optimizing parking resources
• Supporting people, wherever they work
• Creating a healthy lifestyle incentive program
• Providing dependent care support

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During your interactions with clients, what you say and how you say it makes a huge difference. As participants review retirement plans, it’s essential you understand how much has changed. Many factors, such as longer lifespans, more active lifestyles, supporting or caregiving for family members, and rising healthcare costs, continue to add to the complexity and disparity of how people live during retirement.

Download this executive summary for 3 actionable insights that can help reduce the disconnect between what you or the plan sponsor say and what participants hear.  The 2021 DC language study uncovered:

• Ways to demystify the investment menu with the right language
• Positioning target date and target risk funds clearly to help participants find the right fit
• Best ways to communicate retirement income benefits to Millennials and Gen X

Discover how using clearer language – with less industry jargon – can help participants better understand their plan options and make more informed decisions.  You can help plan sponsors close the gap of confusion and misunderstanding by carefully selecting words that truly resonate with participants as they navigate turning retirement savings into retirement income.

 

FOR DEFINED CONTRIBUTION PLAN SPONSOR USE ONLY

This material is based on Invesco’s work with Maslansky + Partners. Invesco is not affiliated with Maslansky + Partners. This material is for illustrative, informational and educational purposes only. Words and phrases utilized should always be appropriate, applicable and provable. We make no guarantee that participation in this program or utilization of any of its content will result in increased business or higher participant rates.

This does not constitute a recommendation of any investment strategy or product for a particular investor. Investors should consult a financial professional before making any investment decisions.

Invesco Distributors, Inc. Invesco Advisers, Inc. NA5111 © 2021 Invesco Ltd. All rights reserved.

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In the past couple years there has been an increased need for education and support regarding racial injustice. Companies and employees are suffering from trauma resulting from witnessing or experiencing racial bias and violence. It’s important you understand how to support your employees’ well-being during this time of heightened exposure to racial violence.

Download this guide now and learn:

• What is racial trauma?
• The impact of vicarious trauma stressors
• Symptoms of racial trauma
• How to support employees

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In the past couple years there has been an increased need for education and support regarding racial injustice. Companies and employees are suffering from trauma resulting from witnessing or experiencing racial bias and violence. It’s important your clients understand how to support their employees’ well-being during this time of heightened exposure to racial violence and discrimination.

Use this guide to help your clients understand how to help their employees with this sensitive issue. In it they’ll find answers and practical strategies to consider, including:

• What is racial trauma?
• The impact of vicarious trauma stressors
• Symptoms of racial trauma
• How to support employees

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HSAs are one of the best health savings tools available today, but there are a lot of misconceptions about these accounts. This is only due to a lack of information. This eBook is made specifically for your clients’ employees to educate on what an HSA can do for them.

Download it now and highlight these truths about HSAs: 

• Fit for all ages and any income
• Money is for employees to keep
• Covers spouse and dependents
• Can be used to pay for copays, premiums, deductibles and other qualifying expenses
• Flexible – can change contribution amount any time of the year
• And more... 

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HSAs are one of the best health savings tools available today, but there are a lot of misconceptions about these accounts. This is only due to a lack of information. This eBook is made specifically for your employees to educate on what an HSA can do for them.

Download this eBook to teach your employees these facts about HSAs:

• Easy-to-use
• Fit for all ages and any income
• Money is theirs to keep
• Covers spouse and dependents
• Can be used to pay for copays, premiums, deductibles and other qualifying expenses
• Flexible – can change contribution amount any time of the year
• And more... 

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As the world slowly moves from mostly remote work back to the office setting, one thing many of your employees are not looking forward to is the commute. This gives you an opportunity to completely reimagine how your employees get to work. As you look to develop a strategy and determine how benefits might play a role, it helps to know how another company succeeded.

Download this case study now to discover how the right benefits, technology and expertise can help employees overcome challenges they  face. Topics discussed include:

• Ways to optimize employee parking and reduce overall parking costs  
• How to design and implement sophisticated rideshare and alternative commute programs, with flexible subsidies   
• Options to maximize employee engagement with gamification, incentives and rewards  
• How you can exceed climate and sustainability goals 

Show employees you understand what they need by addressing their challenges in the right way.

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

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

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

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

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Today’s healthcare plans are undergoing considerable changes and transitions, especially due to the effects of COVID-19. From skyrocketing costs to industry consolidation, the industry is facing challenges like never before. But with agile analytics, we can use benefits and integrated claims data, to illuminate recommendations and guide clients with confidence.

Download this in-depth guide and see 10 ways you can use analytics to guide and advise your clients, earning their trust. You’ll be able to provide clients with more affordable and engaging benefits solutions by answering key questions like:

• Where are there short-term and long-term cost savings opportunities?
• How can we accelerate the adoption of virtual care?
• What’s impacting employee productivity?
• Where can we reduce specialty Rx spend across a client’s plan types?

Innovate for your clients using health analytics. Bring in what they need and provide an integrated view of their Total Reward strategy. Offer collaboration and data-driven decisions to ultimately retain a healthier and more productive workforce!

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Mid-sized clients continue to struggle year after year because of rising and wildly volatile healthcare costs. In good claims years or bad, they’re nearly guaranteed premium hikes.

Show them a better way to do employee benefits.

Download this infographic to learn how ParetoHealth benefits captives can give you the tools you need to create value, build loyalty, and grow your business. As the nation’s largest benefits captive, ParetoHealth empowers mid-sized employers to:

• Self-insure with built-in cost intelligence and multi-year protection
• Boost employee satisfaction by delivering better coverage at lower costs
• Implement a long-term risk financing strategy 

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Help your clients get off the fully-insured treadmill. After a high claims year, premiums can increase significantly. But when employers have fewer claims than expected, the carrier keeps all the money anyway.

There’s a better way to do employee health benefits.

Download this infographic for a detailed healthcare cost comparison. Show your clients — in simple terms — how ParetoHealth’s self-funding solution will help them: 

• Realize multi-year protection and long-term stability
• Reduce rising healthcare costs
• Deliver the benefits their employees expect

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Think about the annual renewal process: Forced decision making, premium increases in good years and bad, limited options, instability, and lack of control.

There’s a better way to do employee health benefits.

Download this information brief to discover how ParetoHealth connects mid-sized employers to the Fortune 500 level resources needed to self-insure with total confidence.

What’s inside:

• An entirely new way to sell self-insurance
• Pathways to maximize predictability and transparency
• Tools to implement powerful cost management with multi-year protection
• Tips to leverage size and scale to reduce risk and volatility

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

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

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

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

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Even through COVID-19, HSAs have proven to be consistent. While HSA adoption and contributions remained steady, evidence suggests that many members are falling short when it comes to long-term savings. 

This new eBook breaks down the common patterns and shows how employers can help members think beyond spending to increase their healthcare safety net and maximize retirement readiness. 

Download this eBook to see the latest trends and get unique insight into:

• How to support your clients  
• The opportunities for business growth
• Strategies to capitalize on open enrollment 
• The importance of day-one member education
• How account age translates into higher balances

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As employee needs shift, you must help clients adapt their benefits strategies. Addressing today’s biggest challenges requires more options and versatility, and complementary benefits can help you deliver that for your clients. These flexible plans can layer over a primary plan and address an array of employees’ unique needs.

Download this guide now for an overview of what complementary benefits can do for your clients. You will access three use cases so you can see how these options work in practice, including:

• Ways to meet expectations of executives and key strategic leaders
• How to close coverage gaps and counter unintended employee financial strain
• Tactics for providing effective support for mental health and well-being

By offering the right solutions, you can open up a new world of options for clients while protecting their bottom line.

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Many of your clients, especially the small businesses, have trouble figuring out which federal employment laws apply to them. Some mistakenly assume that since they’re too small to have responsibilities under one law (such as FMLA), then they don’t need to pay attention to the others. This becomes even more difficult in seasons where regulations and laws change at a rapid pace, like in the wake of the COVID-19 pandemic.

Download this guide now to use as a tool to help clients navigate the shifting regulatory landscape and help them avoid costly mistakes. You will be able to help them understand:

• The details of the COVID-19 leave law
• Changes to overtime regulations
• Different compliance thresholds 
• And more… 

Show clients they can rely on you as a trusted resource as you help them master today’s changing benefits and regulatory environment.

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

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

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

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

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

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

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

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

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

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

You’ll find tips to help your clients:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

What’s inside:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

What’s inside:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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