by Todd | Aug 10, 2009
In this competitive world of group health insurance plans, insurance companies are looking at different ways to make their plans unique, control claims, or add prevention tools to their benefit offerings. For example, even though a health plan may not provide coverage...
by Todd | Jul 31, 2009
I just got word of new legislation that affects Texas State Continuation of health coverage. State Continuation is a Texas State Insurance rule that allows terminated employees to choose to keep their group health insurance for a period of time after they leave...
by Todd | Jul 27, 2009
It never ceases to amaze me when talking to a new client and hear how their past renewals have gone. They are spending thousands of dollars a year, and most of the time benefits are their second largest expense. I’ve heard stories of last minute decisions, faxed...
by Todd | May 28, 2008
Prescription drug costs are big drivers of a medical plan. I’ve seen this firsthand with some of my self-funded clients – the prescription drugs claims have been as high as 33% of total claims! Not only are drug costs hitting employer’s claim liability; they are also...
by Todd | Feb 1, 2008
Texas is leading the nation toward establishing transparency in the cost of health care. House Bill, 2015, passed by the 2007- 80th Texas Legislature, enacted new Chapter 1215 of the Insurance Code and applies to fully insured Employer Groups. It repeals existing...
by Todd | May 20, 2007
I recently made a presentation to a group of business owners about Health Savings account plans. I really enjoy these presentations because at the end I usually get great questions. There were a couple of financial planners in the audience, and we started linking some...
