MMA Chiropractors’ Post

I spoke to a prospective employer today with between 20-50 employees. When their health insurance came up, here's what was discovered: They use a big national carrier They have gotten renewal increases the last 3 years between 6-9% per year. They have an MLR (medical loss ratio) consistently under 40% Their impression is that because of their size, their increase each year "is what it is." That's what their broker has told them...and I'm gonna call BULL! That's a red flag and a flat out lie. Don't commit your business and one of your biggest business expenses to a broker... Get an advisor who does more than quote you out and cash their commission checks. Novaura #NewDawnInBenefits #benefits #benefitsstrategy #employeebenefits #benefitsadvisor #advisor #ceo #cfo #hr #humanresources

Stop scrolling if you’re… An employee, founder, or business owner, or part of a team that has members all over the country. Part of a team that has a mix of part-time, seasonal, contract, temporary, and full-time workers. If you… Want to save money on health insurance or would love the option to have a customizable health insurance plan. Then having an ICHRA could be a great option for you! ICHRA stands for individual coverage health reimbursement arrangement, and it allows employers to provide health coverage for all of their employees, no matter if they’re part-time, full-time, contract, or temporary. It puts the decision-making back into the hands of employees and allows them to choose coverage that is right for their own personal situation. DM or reach out to us to learn more! #ichra #grouphealthinsurance #healthcarecoverage

Business Owners: How many exceptional employees are you missing out on without even realizing it? During a recent open enrollment service, one of the company's newest employees revealed a game-changing insight. After looking at multiple job opportunities, he selected this company over all of the others because they offered health insurance benefits. Ready to explore how enriching your employee benefits can make your business the top pick? Let's talk! Click the link below today to set up your FREE professional consultation and discover how you can elevate your company to draw in top-tier talent! 👉 https://lnkd.in/eVVnpzxc #insurance #employeebenefits #attention #urgentneed #hiringnow #insurancebroker

𝗧𝗵𝗶𝘀 𝗲𝘅𝗽𝗲𝗿𝗶𝗲𝗻𝗰𝗲 𝘄𝗮𝘀 𝘁𝗵𝗲 𝗘𝗣𝗜𝗣𝗛𝗔𝗡𝗬 𝘁𝗵𝗮𝘁 𝗱𝗿𝗼𝘃𝗲 𝗺𝗲 𝘁𝗼 𝗳𝗶𝘅 𝗿𝗶𝘀𝗶𝗻𝗴 𝗵𝗲𝗮𝗹𝘁𝗵 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗰𝗼𝘀𝘁𝘀 𝗳𝗼𝗿 𝗰𝗼𝗺𝗽𝗮𝗻𝗶𝗲𝘀 𝗹𝗶𝗸𝗲 𝘆𝗼𝘂𝗿𝘀... My bet is you know someone just like this in your company. Let’s fix that for them and create financial sustainability for your company and employees at the same time. #ceo #cfo #hr #humanresources #employeebenefits #healthinsurance #medical #health #BenefitsInsider

I met with an employer last week and the HR Director told our team their company had changed health insurance carriers every year for the past 3 years. She was upset about it, and I don’t blame her… So why is changing health insurance carriers every year a bad thing? 🤔 👉 It can lead to disruption, potential loss of benefits, administrative burdens, limited leverage in negotiations, and potential for coverage gaps 👈 If you are an employer in a fully insured program finding yourself in the same situation, it may be time to reevaluate who you are partnering with… In the interim, here’s a few things you can do ⬇️ 1. Evaluate the feasibility of self-funding 2. Explore alternative plan designs 3. Implement cost containment strategies and consider nontraditional medical plans (captives, RBP, DPC, etc.) 4. Consider multi-year contracts #EmployeeBenefits #HealthInsurance #BenefitsConsultant

Health insurance, 401(k) or other, dental insurance, paid leave, and vision insurance as the five most important benefits employers can offer. 7 out of 10 candidates consider these a must. #EdwardsConsulting #WorkplaceCulture #WeBuildHR #HumanResources #JobInterviews #HiringAndPromotion #JobSearch

𝙒𝙝𝙖𝙩 𝙞𝙛 𝙄'𝙢 𝙣𝙤𝙩 𝙧𝙚𝙖𝙙𝙮 𝙩𝙤 𝙢𝙖𝙠𝙚 𝙖 𝙘𝙝𝙖𝙣𝙜𝙚, 𝙬𝙝𝙖𝙩 𝙙𝙤 𝙮𝙤𝙪 𝙙𝙤 𝙩𝙝𝙚𝙣? Some clients are ready for a big change…shake it up and do something new and innovative. Some clients want to make minor updates and plan for change over 2-3 years. There’s a strategy and a plan for all clients, and it’s built to suit your needs and culture. But the fix to your rising health insurance costs starts now, whether it’s small steps or big ones. #ceo #cfo #hr #humanresources #employeebenefits #healthinsurance #medical #health #BenefitsInsider

We know that you wear many hats!🎩👒🧢 As bosses and business owners, you are pulled in a thousand different directions. That's why we work directly with HR & your health insurance broker to get the benefits & engagement your employees want and deserve! Call us today to learn more about how we can take some hats off your head.🤠📲 (845) 2-ENROLL #GEMenrollments #Hats #Benefits #EnrollmentServices

Employers with 100+ employees OR level/self funded - LISTEN UP. 👂🏼 Lester J. Morales & I sat down to discuss a common MISCONCEPTION in the health insurance world - "A claim is a claim" 😒 As an employer, have you ever heard that from a benefits "consultant"? Maybe he/she said something like "Well, sorry you had a high renewal, you just had a bad claims year" But what if you could actually impact the COST of a claim? What if the total cost of a knee surgery was $16,000 & not $60,000? What would that do for your claim budget & health insurance rates? 🫰🏼 PART 4 - AN HONEST CONVERSATION WITH THE FORMER CHIEF GROWTH OFFICER OF WILLIS TOWERS WATSON 😲

“𝗛𝗼𝘄 𝗱𝗶𝘀𝗿𝘂𝗽𝘁𝗶𝘃𝗲 𝘄𝗶𝗹𝗹 𝘁𝗵𝗶𝘀 𝗰𝗵𝗮𝗻𝗴𝗲 𝗯𝗲 𝘁𝗼 𝗹𝗼𝘄𝗲𝗿 𝗵𝗲𝗮𝗹𝘁𝗵 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗰𝗼𝘀𝘁𝘀 𝗶𝗻 𝗺𝘆 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀?” While many of my clients quickly adopt the full “Insider Plan,” most of my clients don’t make disruptive changes. But there is one they have to make: hiring the right advisor to bring the right strategy and solutions. For some, this is easy. Others have very long relationships with really good people, but those folks just can’t bring the right plan and execution together to make it all work. 𝙒𝙝𝙖𝙩 𝙞𝙨 𝙩𝙝𝙚 𝙪𝙡𝙩𝙞𝙢𝙖𝙩𝙚 𝙘𝙤𝙨𝙩 𝙩𝙤 𝙮𝙤𝙪𝙧 𝙗𝙪𝙨𝙞𝙣𝙚𝙨𝙨, 𝙥𝙧𝙤𝙛𝙞𝙩𝙖𝙗𝙞𝙡𝙞𝙩𝙮, 𝙮𝙤𝙪𝙧 𝙚𝙢𝙥𝙡𝙤𝙮𝙚𝙚𝙨 𝙗𝙚𝙣𝙚𝙛𝙞𝙩𝙨 𝙖𝙣𝙙 𝙞𝙣𝙘𝙤𝙢𝙚𝙨, 𝙖𝙣𝙙 𝙩𝙝𝙚 𝙪𝙡𝙩𝙞𝙢𝙖𝙩𝙚 𝙫𝙖𝙡𝙪𝙖𝙩𝙞𝙤𝙣 𝙤𝙛 𝙮𝙤𝙪𝙧 𝙘𝙤𝙢𝙥𝙖𝙣𝙮? Link to full episode in the comments. #CEO #CFO #HR #humanresources #medical #medicalinsurance #healthinsurance #healthcare #employeebenefits #BenefitsInsider