Tag Archives: risk management

ACA Preventive Care Links

We have had many conversations since November 1 helping individuals compare health insurance plans as part of the annual Open Enrollment period. Questions have come up particularly about how routine services are covered.   Benefits can vary somewhat from carrier to carrier, but there are specific preventive benefits that are guaranteed in each contract through Federal […]

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Correct Or Not

We are approaching Medicare open enrollment and I thought it might be interesting to share a few of the comments I have heard this year. Check your answers against mine: My Medicare card will appear in the mail when I am eligible to enroll: NOT NECESSARILY. If you are currently receiving Social Security payments your […]

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Where Is My Fairy Godmother???

We all read headlines about Americans not saving enough for retirement and I have a theory to explain this. Americans are inherently optimistic and I believe that a lot of that comes from growing up on fairy tales. As we age Prince Charming and fairy godmothers are replaced by fantasy literature and movies. Just look […]

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Finally, We Are Getting the Weapons!

Today is the first in a series of employee enrollment meetings for the client I described in my Case Study article. Premiums have gone way up, benefits have come way down and the employees face a difficult year of healthcare expenses. Fortunately, we were able to put in place a very affordable “bouquet” of benefits […]

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My Fire Hydrant, Al

I was driving back into Atlanta on a recent scorching summer day when a story came on about last winter’s snow disaster in Boston. Suddenly, I felt about 10 degrees cooler and listened attentively to a story about a group of people who are being placed into local government positions to provide technological support, sort […]

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Case Study: First Renewal After the Affordable Care Act

Business has improved, but what can an employer do when their health insurance premiums go up over 45% at renewal on a budget that already exceeded $300,000 per year? One of our clients recently received their first renewal since the implementation of the Affordable Care Act and this is what they faced. Traditional options were […]

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Mergers and Acquisitions

Even with the holiday weekend, it was hard to miss all the news in the world of health insurance. The Aetna / Humana purchase was announced when most of us were taking a break from business, but it caught our attention all the same. This combination follows the Anthem / BlueCross bid to purchase Cigna […]

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Independence Day

As we approach the Fourth of July and prepare to celebrate our nation’s freedom, let us take a moment to address our personal Independence Day. The time will come when we go on perpetual vacation and we must each prepare for our own day of reckoning. Not only is the future coming much faster than […]

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A Time for Research and Creativity

Last week was another busy news week with escaped fugitives, ongoing financial trauma in Greece, voting on gay marriage and, oh yes, the Affordable Care Act was once again determined to be legal. What does this mean for all of us who are purchasers of health insurance plans? It means that nothing has changed. The […]

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Back to the Future

The cost of healthcare continues to increase unchecked. The result is that premiums go up each year and our response is to reduce benefits. Deductibles have gone beyond the reach of many insureds who will experience financial disaster long before they reach these lofty heights. Copays for physician office visits, emergency room charges and prescription […]

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