When it comes to benefits education and communication, the past year and a half has shown that being adaptable and inclusive is paramount.

The delta variant could cause some drag on the economy, but the effects won't be like those of 2020, says Barry Gilbert.

Although it's a complicated issue, there are tangible, immediate steps that health plans, brokers and benefits managers can take to proactively curb ER misuse.

The practice often also causes a ripple effect that may unfairly saddle a participant with additional costs.