Employer Healthcare Strategies

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Tatiana Spears

With an MBA mind for analysis and strategy development, Tatiana loves transforming creative ideas into practical application for innovative companies and professionals. She is also the proud owner of an overworked Nespresso machine.
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Recent Posts

5 Signs You Should Consider Self-Funding

Posted by Tatiana Spears on May 5, 2020

Do you wish you could design your own health plan? Do you want to improve employee health while reducing the cost of care? Then self-funding may be for you.

What exactly is self-funding? Instead of paying a premium to a commercial insurer, employers in a self-funded or “self-insured” health plan accept responsibility for the risk of health care for enrollees. You might be thinking, “How on earth is this a good idea?!” Don’t press the panic button just yet.

Self-funded plans are actually more cost-effective in the long run because expenses associated with a fully insured plan are eliminated and yes, there are smart ways to mitigate risk. In this setup, employers have more control over their health benefit program and have a direct impact in reducing the cost of care by improving employee health. Here are five signs that self-funded health plan might be right for you.

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Post Topics Self-Insurance

Audio Resource: The Business Case for On-Site and Shared-Site Clinics

Posted by Tatiana Spears on April 24, 2018

On-site clinics have long provided benefits to self-funded employers. Since the early 20th century, on-site clinics have provided employees with immediate access to care and significant health care savings for the employer. 

Today, when employers are asked how they plan to control health benefit cost over the long term, they talk about improving employee health through worksite clinics. Why? Well according to Mercer, 72% of employers offering worksite clinics say that managing employee health risk and chronic conditions are an important objective for the clinic. 

Large employers still dominate the worksite clinic scene, but a new model is emerging, empowering mid-sized and even small employers reap the benefits. 

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Audio Resource: How to Measure Employee Health & Wellness ROI

Posted by Tatiana Spears on March 22, 2018

Over 75% of Human Resource professionals say that their organization offers some type of a wellness program. But how effective are these programs? Data-driven leaders know a simple truth: you can't manage what they can't measure - and measuring return on investment (ROI) is essential to determine effectiveness. 

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Product Update: CareATC Mobile App 4.0

Posted by Tatiana Spears on March 15, 2018

The CareATC Mobile App features some exciting updates, providing members a better way for employees to engage in their health and well-being.

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What Self-Funded Employers Can Learn from the Amazon, Berkshire and JPMorgan Healthcare Alliance

Posted by Tatiana Spears on March 8, 2018

Shockwaves were sent throughout the business community as three of the nation’s largest corporations - Amazon, Berkshire Hathaway and JPMorgan Chase - announced that they are partnering on ways to address healthcare for their U.S. employees, with the aim of improving employee satisfaction and reducing costs. It’s clear: employee health is taking center stage.

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[Infographic] Why 96% of Employers Plan to Invest in Health and Wellness Programs

Posted by Tatiana Spears on November 30, 2017

 

It’s no secret that unhealthy employees are less engaged and more apt to affect your bottom-line. Employers have looked for ways to mitigate risk by motivating employees to live healthier lives. With an overwhelming majority of employers planning to implement a health and wellness program in 2018, employers are taking greater aim at intervention, not just prevention.

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How Unhealthy Employees Are Killing Your Bottom Line

Posted by Tatiana Spears on September 8, 2017

If you think the health of your employees has no impact on your productivity or bottom line, think again. One out of every four dollars employers pay for health care is tied to unhealthy lifestyle choices such as smoking, stress, and obesity. Despite spending almost twice as much on health care, the U.S. has the worst health outcomes than most other developed nations. The result is higher medical costs for the U.S. and for employers. So, what gives and how can employers influence behavior for the better?

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Self-Funding for Small to Mid-Sized Businesses - Part 3

Posted by Tatiana Spears on March 28, 2017

Advantages & Disadvatages of Self-Funding 

Determining whether or not self-funded insurance is the right choice for your small business can be difficult to do. We’ve taken some of the guesswork out by compiling some of the advantages and disadvantages of self-funding. Here's what you need to know. 

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Self-Funding for Small to Mid-Sized Businesses - Part 2

Posted by Tatiana Spears on March 23, 2017

3 Misconceptions About Self-Funded Insurance

When thinking of opting for an insurance plan for their employees, some small businesses automatically assume that a self-funded plan is only a good option for large employers. Not true. In fact, did you know that it is estimated that 61 percent of companies within the U.S. self-fund at least a portion of their health plan? Read on to find out about three of the common misconceptions about self-funded insurance and the truth about each of them.

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Reducing Self-Funding Risk With Wellness Programs

Posted by Tatiana Spears on March 14, 2017

There is a trend, perhaps you have noticed it: healthcare costs are increasing. Yet, the means of paying those costs is not going up at the same rate. In a country where high deductible healthcare plans are the norm, it becomes more difficult for employees to keep up with preventative care—some of them forgo it completely.

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