Disability Study Reflects Health Trends

May 13, 2014

Cigna’s 20-year disability study may be the Mini-Me of American health. The study tracked short-term disability claims incurred between 1993 to 2012. Absences related to three conditions increased significantly during that time. Obesity Skin cancer Herniated disc surgeries Certain medical conditions causing short-term disabilities are more prevalent than they were 20 years ago. Our aging workforce […]

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Health Care Utilization: More Than a Numbers Game

May 6, 2014

Health care utilization seems to be all about numbers. We measure utilization Make utilization projections And analyze the heck out of utilization For all our numbers-crunching, health care utilization is much more than a numbers game. Health Care Utilization Defined There are various definitions. Because I prefer simple, let’s use the following. The type and frequency of […]

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The Healthcare Consumer is Like a Bad Diet

April 29, 2014

The term healthcare consumer has always been a bit of an oxymoron. Health reform is supposed to transform us into better consumers. But isn’t over-consumption part of the problem? The healthcare consumer concept is like a bad diet. First you consume too much Then you starve yourself in hope of some miracle Healthcare Consumer Oxymoron […]

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Health Benefits Communication in Post-Reform World

April 21, 2014

Health benefits communication has a long tradition. Not all of it has been pretty. Legal language written like − well, legal language Lists of exclusions and limitations that grew longer The introduction of health reform’s Affordable Care Act You know you are in trouble when the government starts offering templates for Summary of Benefits and Coverage. The good […]

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Dental Benefits’ Confusing Marketplace Options

April 15, 2014

Dental benefits have been a slam-dunk for most employer-sponsored benefits. In the individual market, where you purchase your own insurance, many skip dental benefits. Dental professionals hoped health reform’s insurance marketplace would improve coverage. And it did. Sort of. Dental Benefits Under Health Reform Relieved dental benefits advocates applauded when health reform’s Affordable Care Act included […]

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Well-Being Trumps Disease in Job Productivity

April 7, 2014

How often do you think about your well-being? What do you picture when you hear the term? Perhaps it’s Pharrell Williams’ version of Happy Well-being could be a game-changer in workers’ productivity. More so than the impact of chronic disease. That was the conclusion of a study published in the Journal of Occupational and Environmental […]

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Health Care Customer Service and its Many Faces

April 1, 2014

Health care has a lot of services dumped on its plate. The quality of care you receive from your doctor The insurance you buy for that care And the service you receive from both Welcome to the many faces of health care. Health reform’s Affordable Care Act tried tackling it all. That could be why […]

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Will Health Insurance Technology Simplify the Complex?

March 25, 2014

Is health insurance technology an answer to employers’ prayers? Will technology convert apathetic individuals into active participants in their health care decisions? Health reform and rising costs tossed employee benefits and health insurance on their ear. Businesses push employees to make their own coverage decisions Health reform strives for greater individual enrollment Changes require better […]

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Self-employed Health Insurance: The Painful Reality

March 18, 2014

Self-employed health insurance comes with harsh realities. No employer contributions (unless you want to thank yourself for paying it all) No group discounts for supplemental products (like dental, vision, life and disability insurance) No premium discounts for wellness program participation No – No – No. Makes you feel like a chastised child. We did not even catch […]

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Vacation-Deprived Americans Say Show Me the Money

March 11, 2014

Americans prefer the almighty dollar over a vacation. That’s according to yet another study – this one featured at CBS Moneywatch. It’s not the first time a study revealed our disinterest in tropical drinks with little umbrellas. Not only do Americans prefer cold hard cash, many fail to use all the vacation days they currently have […]

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