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In the complex landscape of employer-sponsored health plans, one area often overlooked but ripe for scrutiny is prescription drug coverage. As medical care costs continue to soar, smart businesses are reevaluating their approach to this essential component of employee benefits. By unearthing the hidden intricacies of prescription drug expenses and…

Imagine a pet care plan that’s easy, instant and inclusive, with no barriers due to age, pre-existing conditions, breed-specific issues or even the type of animal you cherish. United Pet Care is here to make your pet’s health a top priority, and your wallet will thank you, too!   Join…

In today’s competitive business landscape, retaining talented employees is crucial for maintaining stability and growth. High turnover and absenteeism rates can hinder productivity and morale within an organization. The key to addressing these challenges lies in enhancing employee engagement. Engaged employees are not only more productive and committed, but also…

In the fast-paced and ever-evolving world of human resources, effective employee benefits communication has become crucial in attracting and retaining top talent. As organizations adapt to new technologies and changing workforce demographics, the way they communicate their benefits packages must also transform. However, even the most thoughtfully developed benefits strategies…

Earlier this year, Oswald became the first broker to offer The Galleri Test: A new blood test for cancer screening. Employers can add this service to their existing employee benefits portfolio. We are always searching for innovative ways to enable our clients and their employees to avoid risk so they…

Grandma might have had the answer all along. You’ve probably heard the old adage “the straw stirs the drink.” For most health insurance plans, the proverbial straw is a handful of claimants who are responsible for 70-80% of all claim costs. A significant portion of those claims are the result…

Did you know that today is #NationalInsuranceAwarenessDay? We want to thank our clients for the opportunity to help protect the people and things most important to them. Risk and insurance needs continually evolve; it’s critical that your policies keep up with these changes and are regularly reviewed. Please check out…

In most health insurance programs, a small percentage of the plan members account for a significant percentage of the claim payments. In the past, employers focused on population health management or wellness programs to improve the overall health of their employees and their families with the goal of lowering costs.…

This will sneak up on an employer like the “quarantine 15” did for many people during the pandemic. As a responsible employer, you’re cruising along and checking off all the boxes to ensure your employee benefits program is in compliance. Required notifications to employees – check. Rx reports submitted for…

Choosing the right advisor to manage your company’s health care plan is a crucial decision that can significantly impact your organization’s financial well-being. As a CFO, you need a trusted partner who possesses the right skills, understands industry trends, and can provide tailored solutions to meet your company’s overall goals.…