As is common to other forms of insurance, should employees who "live well" actually "pay less" for their group health insurance?

Should employees be financially rewarded for following disease prevention practices and making positive health choices? Should employees who live well be allowed to pay less?  While it may be uncommon to think of such a fair and equitable approach in relation to group health insurance, it is very common with other kinds of insurance we buy.  Consider the following: continue reading...

Are you frustrated with the limited choices in PPO networks for your self-funded medical plan?

·         Would you like your employees to have the freedom to use ANY provider they choose?

·         Can an alternative to traditional PPO networks give you equal or even GREATER provider discounts than your current network? continue reading...

Should you be auditing and/or carving out your group health plan's Rx benefits?

When was the last time anyone talked to you about the pros and cons of “carving out” your Rx benefits from your current insured medical plan?  Or, if you are self-funded, when was the last time you had an independent audit performed of your Rx claims through your PBM (Prescription Benefit Manager)?  If audit, analysis, and consideration of an Rx carve-out has not been part of your health plan discussions in the last couple of years, I suggest that it should be.  Why?  Consider the following chart that compares the Rx claims costs and rebates of some major carriers in the Northwest with a “Transparent” PBM (the newest model and pricing arrangement).  Based upon this compilation of carrier/PBM reports to the continue reading...

A Stormy Outlook. Disaster Recovery Tip #19

With hurricane season a mere 20 days away, it is time to prepare for what is predicted to be an active season. Although the tropics are quiet now, meteorologists from Weather Services International (a Weather Channel company), have predicted 15 named storms, 8 hurricanes and 4 major hurricanes this year. Click here for WSI's 2011 Hurricane Season Forecast. continue reading...

The Path of Destruction. Disaster Recovery Tip #17

Deadly tornadoes continue to take the nation by storm splintering communities, homes and businesses in the south. Currently Agility is responding to 15 disaster declarations and has over 200 members on alert across five states. The Storm Prediction Center reported 155 tornadoes across the US on Wednesday. This sets a new record for April tornadoes, bringing the total to over 800. continue reading...

Battling the Elements. Disaster Recovery Tip #16

 

As severe weather blankets the United States with extreme wind, water and fire, we are reminded that no state is immune to natural disasters. Within the last week alone, we have seen fires engulf Texas, tornadoes whip through 15 states and historic flooding in North Dakota.
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President's Orders. Disaster Recovery Tip #15

President Obama recently signed a national-security directive intended to strengthen the way the United States responds to national disasters, terrorist attacks and pandemics. The directive refocuses government resources on mitigation—preventing catastrophes from getting worse—and resilience—how communities actively respond and recover from disasters. continue reading...

April's Energizer Minute

Tune in to hear Inspiration and Camaraderie. continue reading...

Video Interview with Gary Mahn of Fisher's Document Systems

 

Dave Waldo of Waldo Agencies sits down with Gary Mahn of Fisher's Document Systems.  In this short interview Dave had the chance to ask Gary 5 key questions about his organization, decision making and the balance of life and work. 

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