How Would You Like to Pay A Lot Less at the Dentist?

pay less at the dentist

I love to learn.  A big part of what I do is teaching business owners and employees about how to keep more money in his/her pockets. So when I find out something new in the employee benefits field, I like to share it.  When it is something that potentially can affect everyone, it’s even more relevant.  Doesn’t everyone want to … Read More

9 Best Practices to Setting Up a Successful Employee Benefit Plan

employee benefit plan

All Employee Benefit Plans Should Not Be Created Equal When setting up an employee benefit plan, not enough attention is paid to future sustainability and the important considerations that need to be taken into account setting up an employee benefit plan or changing benefit providers. Weigh these tips very carefully when going through the set-up process and you can avoid … Read More

Is it Time to Get Rid of Accidental Death and Dismemberment Insurance?

accidental death and dismemberment insurance

Most companies have Accidental Death and Dismemberment Insurance (AD&D) on their group benefit plans but should they? This type of insurance provides benefits for injury resulting in loss or permanent and total loss of use of body parts.  It also pays out a benefit in the event of death caused by an accident on or off the job.  It’s a … Read More

Why is the EP3 Drug Pool Pushing Companies Back To Insured Benefit Plans?

EP3 Drug Pool

Many companies have been introduced to ASO plans over the last few years by brokers and carriers.  ASO plans can greatly reduce administrative costs, and if a company sets up its benefits plan design can minimize a client’s exposure to unnecessary cost and abuse.  But are insurance companies deliberately trying to push clients back to insured benefit plans with the EP3 Drug … Read More

10 Questions to Determine if Your Employee Benefits Plan is Exposed

exposed benefit plan

Is there ever a perfect solution? Probably not in a realistic world where employers want to keep costs contained, and employees want unlimited benefits. There are ways of managing your company’s exposure, yet ensuring quality benefits are available for employees that require them.  You will want to ensure that you don’t have an exposed benefit plan. The following is a … Read More