Are you a member of the Valparaiso, Michigan City, or Crossroads Chambers of Commerce? Are you looking to support your company and your community with a benefits plan that is built just for them? Then look no further than the UnitedHealthcare (UHC) Community Chamber plan. The UHC Community Chamber plan is a level-funded program […]

Introducing the UnitedHealthcare Community Chamber Plan

September 21, 2021

Michael O'Donoghue

Introducing the UHC Community Chamber Plan

In a self-funded group health plan, you as the employer eliminate obligations to an insurance carrier by assuming the risk of providing financial health care benefits to your employees yourself. This is an ideal setup for business managers who are willing to assume more risk to hopefully see a higher payoff at the end of […]

The Advantages of Self-Funding Your Group Health Plan

September 2, 2021

Candace Arvin

The Advantages of Self-Funding Your Group Health Plan

Group medical benefit plans for your employees typically fall into one of two categories: self-funded or fully insured. The risk assumed with either model is the chance that your employees will become ill and require costly treatment. However, each type of insurance carries its own set of administrative rules and legal constraints. Employers with either […]

Self-Funded vs Fully Insured Employee Medical Benefits

August 11, 2021

Michael O'Donoghue

Self-Funded vs. Fully Insured Employee Medical Benefits

Health care was a focal point of Joe Biden’s presidential campaign. In his first two months in office, President Biden has already addressed several core issues. However, there’s much more to come. Topics such as the Affordable Care Act (ACA), the establishment of a public option, expansion of Medicare and Medicaid, lower drug pricing, and […]

The Biden Administration & Health Care

April 15, 2021

Candace Arvin

The Biden Administration and Health Care

Employers that want to control rising health insurance costs often consider making design changes to their employee benefit plans. Typically, these plan design changes are effective at the beginning of the plan year, and communicated to employees during an open enrollment period that precedes the start of the plan year. However, depending on a number of factors, employers may […]

Can Employers Make Mid-Year Changes to Benefits Plans

June 6, 2020

Candace Arvin

Can Employers Make Mid-Year Changes to Employee Benefits Plans?

Competitive employee benefits packages are essential for attracting and retaining quality employees, but continuing to offer them can be tough with the rising cost of health care squeezing an already tight budget. Cutting benefits may seem like a necessary reality for some companies, but could have serious long-term consequences.   Retaining top talent is crucial for your company to remain […]

What is a Strategic Employee Benefits Plan

May 28, 2020

Candace Arvin

What is a Strategic Employee Benefits Plan?

An attractive benefits program is vital for your recruiting and retention efforts, but it is also a significant expense. To ensure you are providing a package that is both competitive and economical, you need to know how your offerings compare to those of other employers in your industry. Benchmark data can provide valuable insight for […]

The Importance of Benefits Benchmarking

June 11, 2019

Eric Gibson

The Importance of Benefits Benchmarking

Employers and employees both know the critical role that the workplace plays in offering a better quality of life through a robust employee benefits plan. What employees may not know, however, is how to capitalize on benefit offerings, or how to select the right benefit options for themselves or their families. And employers may not […]

How to Maximize Your Employee Benefits Plan

April 16, 2019

Eric Gibson

How to Maximize Your Employee Benefits Plan

As prescription drug costs continue to increase, it is important for employers to understand the trends behind prescription drug costs and what they can do to better manage their health care expenses. In 2019, the United States is projected to spend over $500 billion on prescription drugs, by some estimates—12 times more than the $40.3 […]

What's the Trend with Prescription Drugs

March 27, 2019

Eric Gibson

What’s the Trend with Prescription Drugs?

With rising health insurance costs, many employers have asked us about alternatives to traditional health insurance plans.  High prices are driven by a number of converging factors, including higher costs for pharmaceuticals, increasingly sophisticated technologies, reduced supplies of care providers and an aging population—and no end to the upward trend is in sight. There are […]

7 Options to Combat Rising Health Insurance Costs

March 21, 2019

Eric Gibson

7 Options to Consider to Combat Rising Health Insurance Costs