Highlights from Gallagher’s 2017 Compliance Review

By |November 30th, 2017|Categories: Compliance|

Earlier this month, Gallagher Benefit Services Compliance Advisors released their 2017 Year-end Review and Reminders technical bulletin. Highlighted below are a few items mentioned in the bulletin and how employers and carriers are responding to [...]

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Fun Ways to Maintain Your HR Certification

By |November 22nd, 2017|Categories: Employee Benefits|

As we approach the end of 2017, it’s important to stay on track with all the required continuing education to keep your HR certifications current. After the highly publicized split between the Society of Human [...]

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Five Tips to Help Employees Maximize Their 401k Contributions

By |November 21st, 2017|Categories: Employee Benefits|

There is often a struggle to provide employees with a quality benefits package at a cost they can afford and continue to run a profitable company. As benefit costs continue to increase, employers are seeking [...]

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Is It Time to Evaluate Your PTO Policy?

By |November 13th, 2017|Categories: Employee Benefits|

As an employee benefits consultant, I am starting to get more and more questions around PTO (paid time off) policies and best practices. Employers are considering making changes to their PTO policies as a way [...]

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With an Aging Workforce – Have You Given Your Benefit Plan a Proper Checkup?

By |November 1st, 2017|Categories: Employee Benefits|

In the past, most individuals looked forward to an early retirement, or at the very least, retiring when they turned 65. However, new statistics show that many Americans are working past age 65. Many factors [...]

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President Trump Ends Cost-Sharing Reductions: How will that impact North Carolinians?

By |October 24th, 2017|Categories: Healthcare Reform|

On October 12, 2017, the Trump administration announced that they would stop funding the cost-sharing reduction (CSR) payments that the lowest income participants purchasing coverage in the Marketplace receive. These cost-sharing reduction payments are for [...]

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Is Your HDHP Ruining Your Disease Management and Wellness Program Outcomes?

By |October 17th, 2017|Categories: Health Management|

Healthcare costs continue to trend upward and high-deductible health plans (HDHPs) are increasing in popularity as a means of reducing associated premiums. The thought is that the higher cost-sharing requirements of HDHPs would incentivize participants [...]

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Amazon and the Prescription Question

By |October 12th, 2017|Categories: Health Management|

Would you order prescription drugs through Amazon? That is one of the questions Amazon is likely trying to answer as they decide whether or not to create a pharmacy benefit manager (PBM), contract with an [...]

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The Impact of Association Medical Insurance Plans

By |October 10th, 2017|Categories: Healthcare Reform|

President Trump recently stated he may issue an executive order to allow individuals to purchase insurance coverage across state lines and through associations. As with any other healthcare regulation, there will be financial winners and [...]

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7 Ways PPACA Has Influenced Bankruptcies in the United States

By |October 9th, 2017|Categories: Healthcare Reform|

As Congress continues to develop a replacement option for the Patient Protection Affordable Care Act (PPACA), it’s important to recognize one little-known fact: PPACA has dramatically reduced the number of Americans who file for bankruptcy [...]

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Next Big Trend in Benefits: Student Loan Repayment

By |October 3rd, 2017|Categories: Employee Benefits|

Because millennials account for as much as 35% of the working population, employers are seeking ways to recruit and retain this growing part of their employee base. However, these younger workers, many of whom came [...]

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UNC Health Care Set to Partner with Carolinas HealthCare – Is This Good for Consumers?

By |September 15th, 2017|Categories: Health Management|

On August 31, 2017, UNC Health Care announced a plan to merge with Carolinas HealthCare. This merger, if approved, would bring together the nation’s second largest healthcare system with a renowned, academic-based teaching hospital that [...]

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States Protecting Consumers Against Balance Bills

By |September 15th, 2017|Categories: Employee Benefits|

Many healthcare consumers have experienced going to the hospital to receive care after checking that the hospital selected was in the carrier’s network, only to later discover that one of the doctors who provided care [...]

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The Impact of Opioid Abuse on Employers

By |September 12th, 2017|Categories: Health Management|

The United States tops the world in drug deaths. More people died from overdoses in 2015 than car accidents and gun violence. Employers are not isolated from these results. One senior manufacturing manager describes this [...]

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Make Your Benefits Renewal Easy with These Tips

By |September 12th, 2017|Categories: Employee Benefits|

As we enter the busiest time of year for benefit renewals, it’s important to consider these three guidelines that can make the renewal process go smoothly for you and your employees. 1.  Get a Head [...]

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Employee Wellness: Are You Adapting Your Plans to Remain Relevant?

By |September 12th, 2017|Categories: Employee Benefits|

“Uncertainty” tends to be the common word that best describes how employees and employers feel about healthcare these days. Based on a recent study “Wellness in the Workplace,” only 24% of employers believe employees take [...]

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The Return of the Health Insurance Providers Fee in 2018 – What Can You Expect?

By |September 1st, 2017|Categories: Healthcare Reform|

As we near the end of 2017, medical insurers are faced with including the Health Insurance Providers Fee back into their rates on plans that renew on January 1, 2018. This fee has been included [...]

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Can Better Health Insurance Literacy Reduce Employer Medical Costs?

By |August 8th, 2017|Categories: Employee Benefits|

Health literacy – understanding your health status and how to navigate our ever-complex healthcare system – has been an important topic for healthcare consumers for years. With the Patient Protection and Affordable Care Act (PPACA) [...]

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COBRA and Severance Agreements – A Gift or a Curse?

By |August 4th, 2017|Categories: Employee Benefits|

Employers sometimes allow former employees to remain on their health insurance plan for some period of time after termination of employment at no cost or reduced cost to the terminated employee.  While this may seem [...]

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Employees Are Not Taking Full Advantage of Health Savings Accounts

By |July 28th, 2017|Categories: Employee Benefits|

We continue to see an increase in the number of employers offering High Deductible Health Plans. In fact, according to the CAI 2017 Healthcare Benefits and Cost survey, approximately 40% of North Carolina employers now [...]

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