Benefit Communication: Losing Can Be a Winning Strategy


In fact, most studies indicate losses are twice as powerful, psychologically, as gains. People are highly motivated to avoid what they consider a loss.

Benefit Communication: Losing Can Be a Winning Strategy2017-04-18T03:41:42+00:00

Four Ways to Make Sure EOBs Do Explain


Have you ever tried to make sense of health care bills after a serious illness? Did you fantasize about marching into your insurance company president’s office, handing him or her a box full of EOBs and demanding a real explanation of your benefits?

Four Ways to Make Sure EOBs Do Explain2017-04-11T02:19:26+00:00

Effective TPAs Contribute to Self-Funding Success


Article as seen in HM Stop Loss News November 2016 One of the most important success factors in self-funding is the service provided by the third party administrator (TPA). Since most employers do not have the expertise or the time to handle the day-to-day management of their health benefits programs, contracting a TPA for the [...]

Effective TPAs Contribute to Self-Funding Success2016-12-15T08:00:47+00:00

Repealing The Affordable Care Act Could Be More Complicated Than It Looks


Article as seen in KHN (Kaiser Health News) on November 9, 2016 written by Julie Rovner After six controversial years, the Affordable Care Act, aka Obamacare, may be on the way out, thanks to the GOP sweep of the presidency and both houses of Congress Tuesday. “There’s no question Obamacare is dead,” said insurance industry [...]

Repealing The Affordable Care Act Could Be More Complicated Than It Looks2016-11-22T08:00:27+00:00

Brooks Goodison Comments on State Interference with Self-Insurance in Self Insurer Magazine


The May, 2016 issue of The Self-Insurer magazine, Outside the Beltway article discusses how various states - and agencies within states - are challenging self-insured plans through claims tax schemes, limits on stop-loss insurance, demands for propriety data and other burdens. Brooks Goodison, President of Diversified Group, contributed insight, citing specific examples of state burdens [...]

Brooks Goodison Comments on State Interference with Self-Insurance in Self Insurer Magazine2016-05-10T21:40:48+00:00

ACA: Fiction or Fact


With so much information flying around on the Affordable Care Act, it can be a challenge to determine what is correct. In an effort to clear up ACA confusion, here are a few facts that you may have seen misstated. Fiction: The out-of-pocket limits applicable to qualified high deductible health plans are the same as [...]

ACA: Fiction or Fact2015-12-08T09:04:35+00:00

Self-Funding: About More Than Savings


For decades, employers determined to get a handle on runaway health care costs have compared self-funding to their traditional fully insured plans. Many who have made the move have discovered that the opportunity for savings is just one advantage. Others include flexibility in plan design, access to plan and utilization data and the ability to [...]

Self-Funding: About More Than Savings2015-12-01T09:10:48+00:00

What is Minimum Essential Coverage?


Employers with 50 or more employees are required to provide their full-time workers with access to Minimal Essential Coverage under the Affordable Care Act (ACA). The mandate is intended to ensure that employees have the opportunity to enroll in an employer-sponsored plan that is both affordable AND comprehensive. The government has established two tests to [...]

What is Minimum Essential Coverage?2015-09-22T09:15:56+00:00

Overhead Costs Still High Post Obamacare


The Affordable Care Act (ACA) continues to have a major impact on ongoing overhead costs – with associated expenses expected to rise more than a quarter of a trillion dollars between 2014 and 2022. These are costs that are over and above anticipated administrative expenses had ObamaCare not been enacted. Where is this money going? [...]

Overhead Costs Still High Post Obamacare2015-09-15T09:30:15+00:00

Considering the Impact of the Cadillac Tax


One of the mandates of the Affordable Care Act is that employers pay a 40% excise tax on the value of high-cost health plans – the ‘Cadillac Tax’. Scheduled for implementation beginning 2018, the tax is calculated as 40% of the excess of total per employee per year (PEPY) health care costs above threshold limits [...]

Considering the Impact of the Cadillac Tax2015-09-04T20:56:15+00:00