Premium vs. Deductible: Why Both Cost Models Fail
Every open enrollment, you run the same mental exercise: Should we raise the deductible to keep premiums low, or keep the deductible manageable and accept...
Health-to-Wealth™ is the idea that preventive care should build wealth, not just avoid cost. These posts explain how reward dollars, the WellthCare Store, and automatic retirement contributions fit alongside an existing health plan — and why paying people to stay healthy beats paying for the care they end up needing.
276 posts
Every open enrollment, you run the same mental exercise: Should we raise the deductible to keep premiums low, or keep the deductible manageable and accept...
Short-term disability is the most overlooked wealth destroyer in your benefits package. It’s not just a safety net. It’s a silent, pro-cyclical tax on the...
Yes, there are increasingly innovative discounts and rewards programs tied to healthcare benefits-and they are evolving far beyond the traditional "points...
Yes, there are several healthcare benefits options available for low-income individuals, ranging from government-sponsored programs to innovative...
Every HR leader knows the stat: 43 million Americans carry student debt. The average monthly payment? Over $400. Employers respond with generous repayment...
Waiting periods for specific treatments under healthcare benefits are typically governed by the structure of the employer’s health plan-whether it's a group...
Every benefits consultant I know gives the same advice for rural telemedicine: “Focus on bandwidth and asynchronous visits.” Teladoc’s text-first model....
Let’s be honest: Most flexible benefits plans aren’t really flexible. They’re just a menu of fixed choices. Pick your deductible level. Choose between a PPO...
In traditional healthcare benefits plans, the Primary Care Physician (PCP) has long served as the gatekeeper -the clinician co-ordinating referrals,...
The short answer is yes, most modern healthcare benefits plans include some form of wellness incentives or discounts. However, the real question is whether...
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