State of Idaho’s Post

𝐇𝐨𝐰 𝐡𝐞𝐚𝐥𝐭𝐡 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐛𝐫𝐨𝐤𝐞𝐫 𝐜𝐨𝐦𝐩𝐞𝐧𝐬𝐚𝐭𝐢𝐨𝐧 𝐢𝐬 𝐝𝐢𝐫𝐞𝐜𝐭𝐥𝐲 𝐭𝐢𝐞𝐝 𝐭𝐨 𝐭𝐡𝐞 𝐨𝐩𝐭𝐢𝐨𝐧𝐬 𝐲𝐨𝐮 𝐚𝐫𝐞 𝐩𝐫𝐞𝐬𝐞𝐧𝐭𝐞𝐝 𝐚𝐭 𝐫𝐞𝐧𝐞𝐰𝐚𝐥 I've worked at a publicly traded brokerage firm, two independent brokerage firms, and a private equity owned brokerage firm and can attest personally that the solutions you (the employer) are presented at renewal are often directly tied to how your broker is compensated. When margin demands at the brokerage firm get higher and higher, you are likely to see this impact you more and more. And you don't need to look further than your pharmacy plan. In my time at a private equity owned brokerage firm, I saw how 1 pharmacy coalition was the only option presented for years. I saw the pressure put on teams to use that coalition. I saw resentment at times from the staff when they wanted to explore a new solution but it was frowned upon. A culture was created that had perpetuated the same solution year after year that frankly wasn't producing great results. That culture stemmed from a "special deal" that was negotiated behind the scenes that drove additional revenue to the firm - a deal that employers didn't know about unless they asked. Rarely did an employer ask. If you are getting presented the same solutions year after year and they aren't producing positive results, this could be happening to you. The action is simple - be aware and ask questions around broker compensation. Understand the incentives. #RemodelBenefits #ceo #cfo #hr #humanresources #employeebenefits #healthinsurance #selffunding

Did you know that after health insurance, dental and vision benefits are the top priorities for employees? For small businesses, especially those not yet offering any benefits, this is the perfect place to start. Providing these essential coverages not only enhances employee satisfaction but also paves the way for them to enrich their protection with Aflac's exceptional supplemental plans, like cancer, accident, and hospital coverage. In today's competitive job market, small businesses that prioritize their team’s health and well-being truly stand out. By offering dental and vision benefits, you’re not just meeting a need—you’re showing your employees that their overall wellness matters to you. And with Aflac’s affordable options, it’s a win-win for everyone involved! Your employees deserve the best, and we’re here to help you deliver it. #EmployeeBenefits #SmallBusinessSuccess #Aflac #DentalAndVision #HappyEmployees

Employer budgets can be tight! And while some organizations may feel constrained by budget limitations, there are numerous low- to no-cost benefits that can significantly impact employee happiness and productivity. In the insurance space I would highlight: 👉 Employer-Sponsored Group Term Life Insurance MUCH less expensive than most companies think and SO valuable for the employees. Most will not go get it on their own and this may be the only plan they have. 👉 Voluntary & Worksite Benefits Including 🌟 Voluntary Life Insurance ✨ Voluntary Dental and Vision Insurance ✨ Accident, Hospital, & Critical Illness options ✨ Pet Insurance and Pet Discount Programs Non-insurance benefits can include: 1️⃣ Employee Assistance Programs (EAPs) 2️⃣ Flexible Spending Accounts (FSAs) 3️⃣ Wellness Programs 4️⃣ Employee Discount Programs 5️⃣ Health and Wellness Reources Benefit packages have evolved beyond just offering a health insurance plan. Companies that want to attract and retain quality employees need to look at expanding that and considering some of these additional employee benefits to stay competitive. #lowtonocost #benefitexpansion #attractandretain #themorrisondifference Morrison Insurance Services, Inc.

**Texas Businesses: Wrangling Those Skyrocketing Health Insurance Costs ** Struggling with employee health insurance premiums that rival a rodeo clown's salary? You're not alone, partner. But before you throw in the towel, saddle up for some cost-saving strategies straight from the Lone Star State! In this comprehensive guide, we'll show you how to: Rope & Tie Those Premium Hikes: Discover how to comparison shop like a blue ribbon champion and find plans that fit your budget without compromising coverage. Navigate the Maze of Networks: Steer clear of limited networks that leave your employees lost in the healthcare desert. Analyze services and providers to ensure everyone gets the care they need. Unleash the Power of Self-Funding: Dive into alternative options like HRAs and self-funded plans, potentially lassoing lower costs and greater control. Team Up with an Expert Guide: Don't go it alone! Partner with a seasoned insurance agent who knows the Texas landscape like the back of their hand. No more sleepless nights wrestling with rising premiums and employee anxieties. With the right strategies and expert guidance, Texas businesses can find solutions that work for everyone. Read the full guide and reclaim your financial freedom! https://ins4tx.co/3HrUdhI #TexasBusiness #HealthInsurance #CostSavingStrategies #InsuranceForTexans

🩺 Are you part of a health care system offering benefits like paid time off, paid leave, life insurance, and disability programs to your physicians? Or are you looking to understand more about these benefits? Join Marsh McLennan Agency's survey and be the first to get exclusive insights. We've been receiving many questions about physician benefits, and it's time to take a closer look at the current landscape. We need your insights to do this! #HealthCare #PaidLeave

Hartloff Benefits stands by the three E’s that represent the core of our services - Educate, Empower, Enroll. 📚 Educate - We provide comprehensive knowledge for employers about group benefits, ensuring you have all the information to select the best health, dental, and disability insurance plans for your team. 💪 Empower - By understanding each company’s unique needs, we empower employers with strategies to navigate the vast array of health care options, allowing for informed and strategic decision-making. ✅ Enroll - We streamline the enrollment process, making it a seamless experience for companies and their employees. With Hartloff Benefit Solutions, enrollment is just the beginning of our commitment to your company’s well-being. Contact us today to set up a complimentary educational workshop. Our team is here to help! #GroupBenefits #EmployerSolutions #EducateEmpowerEnroll #HartloffBenefits #CorporateHealth #TeamWellbeing #StrategicBenefits #InformedDecisionMaking #EmployeeEnrollment #BenefitsNavigation #EmpoweringEmployers #HealthcareStrategy

Imagine this: Sarah, a diligent employee, confronts unforeseen medical costs beyond her regular health insurance coverage following her son's accident. Thankfully, her employer provides voluntary employee benefits like accident, critical illness and hospital indemnity insurance, which help to offset the financial burden on her family during this crisis. These voluntary benefits enable employees like Sarah to personalize their coverage, ensuring peace of mind and financial stability beyond standard offerings. How might access to a variety of voluntary benefits enhance your peace of mind and overall well-being? Wouldn't you appreciate the flexibility to customize your benefits package to align with your unique needs and priorities? My company offers these kinds of supplemental health benefits for your employees. Check out all the options at my website: https://lnkd.in/gf2Z2sWr . #VoluntaryInsurance #BenefitsCoverage #EmployeeBenefits #InsuranceOptions #FinancialProtection #HealthcareCoverage #WellnessBenefits #WorkplaceInsurance #VoluntaryBenefits #ProtectYourFuture #InsuranceSolutions #HealthAndWellness #SecureYourFuture #InsurancePlans #EmployeeWellness #supplementalbenefits #highdeductible #ancillarybenefits #criticalillness

You're turning 65...do you have to pick-up #Medicare if you're still working and covered under your employer plan? We're diving into this topic on the Evolve Insurance Group, LLC. blog! 🩺💊

Imagine this: Sarah, a diligent employee, confronts unforeseen medical costs beyond her regular health insurance coverage following her son's accident. Thankfully, her employer provides voluntary employee benefits like accident, critical illness and hospital indemnity insurance, which help to offset the financial burden on her family during this crisis. These voluntary benefits enable employees like Sarah to personalize their coverage, ensuring peace of mind and financial stability beyond standard offerings. How might access to a variety of voluntary benefits enhance your peace of mind and overall well-being? Wouldn't you appreciate the flexibility to customize your benefits package to align with your unique needs and priorities? My company offers these kinds of supplemental health benefits for your employees. Check out all the options at my website: https://lnkd.in/gf2Z2sWr . #VoluntaryInsurance #BenefitsCoverage #EmployeeBenefits #InsuranceOptions #FinancialProtection #HealthcareCoverage #WellnessBenefits #WorkplaceInsurance #VoluntaryBenefits #ProtectYourFuture #InsuranceSolutions #HealthAndWellness #SecureYourFuture #InsurancePlans #EmployeeWellness #supplementalbenefits #highdeductible #ancillarybenefits #criticalillness

Imagine this: Sarah, a diligent employee, confronts unforeseen medical costs beyond her regular health insurance coverage following her son's accident. Thankfully, her employer provides voluntary employee benefits like accident, critical illness and hospital indemnity insurance, which help to offset the financial burden on her family during this crisis. These voluntary benefits enable employees like Sarah to personalize their coverage, ensuring peace of mind and financial stability beyond standard offerings. How might access to a variety of voluntary benefits enhance your peace of mind and overall well-being? Wouldn't you appreciate the flexibility to customize your benefits package to align with your unique needs and priorities? My company offers these kinds of supplemental health benefits for your employees. Check out all the options at my website: https://lnkd.in/gf2Z2sWr . #VoluntaryInsurance #BenefitsCoverage #EmployeeBenefits #InsuranceOptions #FinancialProtection #HealthcareCoverage #WellnessBenefits #WorkplaceInsurance #VoluntaryBenefits #ProtectYourFuture #InsuranceSolutions #HealthAndWellness #SecureYourFuture #InsurancePlans #EmployeeWellness #supplementalbenefits #highdeductible #ancillarybenefits #criticalillness