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Premium allocation In a fully insured plan, 100% of the premium dollar goes to the carrier, which pays the claims and manages the plan. In a self-insured plan, up to 87 cents of each dollar covers claims. The remainder covers reinsurance and administrative fees. There are two types of reinsurance…

Approach Could Save Employers Money Medical treatments are moving away from the one-size-fits-all approach to personalize illness prevention and treatment. Implementing this strategy improves the member experience and can help save employees and employers money on medical care. Precision medicine considers the unique differences in a person’s genetic makeup, environment…

The Greater Cincinnati market is changing rapidly as a result of organic and acquisition growth. Many of our locally headquartered companies (Kroger, Community First Solutions, Heartland Bank) have become increasingly acquisitive in recent years and the area is primed for many more transactions to come. Whether you are already involved…

Employers with fewer than 100 eligible employees have often avoided self-funding their group health insurance programs because they’ve been afraid of the risk. However, with the rising costs of employee health benefits, many employers are turning to self-funding to get control of spending. There are four main components of any…

Captive insurance One way to mitigate risk is by joining a captive. Captive insurance enables organizations to take control of their program, reduce costs and maintain a healthy, engaged workforce while spreading risk across a group of employers. Employers can maximize their benefits investment in good years by capturing profit…

Diverse teams are a significant asset to businesses, encompassing different ages, backgrounds, genders and races. However, older female workers often get overlooked as people turn to younger generations for solutions. Organizations can benefit from the creativity, enhanced productivity and the more positive and inclusive work environment that an experienced worker…

How they impact your employees and the company’s bottom line You’ve likely seen the names. Ozempic®, Zepbound®, Rybelsus®. They’re called GLP-1 drugs, which were developed to control type 2 diabetes but are being taken by many to lose weight. The big question is whether an organization’s employee benefits plan should…

Join Us as We Discuss the What, Why and How In 2023, the average cost per claimant for Ozempic® was $5,550, an 18% increase from 2022. Ozempic now ranks as the second highest-paid drug, behind Humira®, according to Unison’s annual book of business report. The number of individuals taking Ozempic…

Mental health issues are on the rise in America, so it’s no wonder they’re being seen more often in the workplace. However, more than half of those who experience mental health issues don’t receive treatment, mostly because they can’t afford it, even with their health care coverage. An increasing number…

Discover New Solutions for Serious Illness and Disease Management Within Your Organization The diagnosis and treatment of a serious illness, such as cancer, takes an emotional, physical and financial toll on any employee. As these numbers continue to rise within employee populations, so do the complexities, costs and overall impact to…