by CDA Inc | May 3, 2016 | Group, Insurance
As small businesses most of us have very limited budgets for non-essentials. Materials, fixed facility & payroll costs, accounting, legal and required insurance premiums account for a major percentage of our discretionary income. Are our businesses better served...
by CDA Inc | Apr 28, 2016 | Group, Insurance
In order for employee benefit programs to be well received they need to be developed with the interests of the employees in mind while meeting the objectives of the firm’s management. Young firms often implement benefits with the intent of attracting employees who are...
by CDA Inc | Apr 19, 2016 | Group, Insurance
The main answer we normally receive to this question is that employers are trying to attract and retain the quality employees they need to grow their businesses. If that is so, why are employee benefits packages so cookie cutter? From one employer to another,...
by CDA Inc | Apr 14, 2016 | Insurance, Medicare, Risk Management
Most of us give no thought to how our medical providers are reimbursed. We go in for services, pay what we are told and then deal with any balance billing that arrives in the mail at a later date. We may complain about the cost of our services, but rarely do we...
by CDA Inc | Apr 12, 2016 | Insurance, Long Term Care, Risk Management
In the March, 2016 issue of FastCompany.com I read the following: “How do you produce better results for people undergoing major surgery in chaotic, overtaxed hospitals? According to the not-for-profit Noora Health, you do it by teaching family members to assist in...
by CDA Inc | Apr 7, 2016 | Insurance, Risk Management
How many of us have had this experience: we are told that we need a medical procedure so we select a participating provider, pre-certify the procedure, have the surgery and then . . . the bills start coming in? We go through them on a cursory basis until one or...
by CDA Inc | Apr 5, 2016 | Insurance, Risk Management
Should we be as dependent as we are on prescription drugs, or are there alternative options we can select for care? If we add “pedals to the pills” can we cause positive biochemical changes in our brains as well as the overall improvement in our cardiovascular...
by CDA Inc | Mar 31, 2016 | Insurance, Risk Management
Many of us are under physicians’ care for diseases and conditions which are treated with prescription medications. We find our dosages, frequencies and the intensity of our recommended drugs escalating with time. We also find ourselves at the mercy of pharmaceutical...
by CDA Inc | Mar 29, 2016 | Insurance, Risk Management
This is a term with which many of us are not familiar, but which represents a nightmare for us when it is applied to our health insurance claims. So what does it mean and when is it applied? Step therapy is a protocol used by insurance companies to determine whether...
by CDA Inc | Mar 24, 2016 | Group, Insurance, Risk Management
Do you feel like your company health insurance premiums are much higher than they should be? You see neighbors and friends run to the doctor all the time, but you and your co-workers never seem to access care. No doctor visits, no prescriptions, no emergency room...
