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Year after year, for many employers it’s the same story. The cost of employee benefits keeps rising, causing many companies to look for ways to plug the leak. This often means reducing benefits and shifting more of the cost to employees, but it doesn’t have to. An Individual Coverage Health…

A company cannot meet the wellness needs of every employee simply by implementing company-wide solutions and initiatives. Leaders must get to know their employees to holistically support their well-being. When the employer successfully implements a culture of wellness and provides appropriate management training, the specific needs of individuals are provided…

When thinking about employee benefits, insurance and the care for an injury or illness often come to mind. However, organizations can shift this mindset to a healthier approach by being more proactive and focusing on wellness. The goal is to urge employees to make healthier lifestyle choices every day, which…

The community landscape for a municipality is constantly changing, but will be significant with the passing of Issue 2, which legalized marijuana in Ohio. Additionally, Deferred Compensation rules and the rising costs of Health Insurance and prescription drugs create confusion and sustainability concern. Join the Oswald team for a webinar on March 12 to…

In the face of impending market shifts, it’s vital to evaluate your pharmacy benefit manager (PBM) to make sure you’re getting the best value for your money, while also providing for the needs of your employees. Oswald Companies can maximize the value of your spend by evaluating all options available,…

The pharmacy landscape has evolved in recent years and 2024 is expected to bring even more challenges. Employers managing self-funded benefits should brace themselves for the onslaught by asking the following questions. One of the biggest difficulties facing employers is the emergence of new gene therapies. While advanced gene therapies…

The landscape of pharmacy benefits for employers with self-funded plans is undergoing seismic shifts, driven by several major trends that have substantial financial implications. Based on a review from the Kaiser Family Foundation of over 3,911 drugs, over 50% experienced price increases at or above the rate of inflation between…

You might have heard the terms care navigation, advocacy, concierge and care management. They all pertain to helping individuals understand their benefits and properly use healthcare services. Though this isn’t a new concept, it continues to gain traction in the employee benefits ecosystem. This segment of the benefits industry was…

Employee benefits are a vital component of any organization’s talent management strategy. Done well, they help attract top talent and contribute to employee satisfaction and retention. However, with great benefits come great responsibilities, particularly in the realm of compliance. Here are four reasons your company should make compliance a priority.…

You work hard to protect your livelihood and family today, while planning for tomorrow. Securing the proper personal, life, health, disability and long-term care insurance solutions allows you to focus on your well-being in the present and financial security for the future. When these programs work together, it provides peace of mind knowing…