How to choose your health insurance broker

Posted by Chase Ballard on Tue, Jul 03, 2018 @ 06:07

How to compare brokers

Choosing a health insurance broker is a tedious task. You want a broker who is helpful in keeping your benefits spend down without sacrificing any benefits that help you with employee recruitment and retention.

Guess what? There are brokers who care about your business and your employees just as much as you do!

Here are some steps that you can follow to make sure you’re choosing the right broker:

  1. Be sure to consider all of your options: You can never consider too many brokerages. There are lots of brokerages out there, some will go above and beyond to keep your costs low without sacrificing benefits, most will just follow market trends.
  2. Don't be afraid to ask questions: A good broker will be able to field all of your questions about alternate financing, plan administration, and compliance. Here’s a link to some questions you should ask your broker.
  3. Talk to your friends: If you’ve noticed that other businesses are keeping the cost of their health plan down, don’t hesitate to ask how they’re doing it.
  4. Ask about the broker’s clientele: If the broker is having a hard time holding on to clients, chances are they’re not a good fit for you.
  5. Don’t be afraid to make a change: You’ve got to do what’s best for your business. Shopping around could save you a lot of money!
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Tags: group plan, employer digest, employee benefits

Small business owners concerned about group health costs

Posted by Chase Ballard on Tue, Jun 19, 2018 @ 06:06

Ways to address rising costs

We all know that group health plans are becoming more and more expensive. But who’s taking the biggest hit from these rising costs? The answer: small business owners.

A recent study conducted by ehealth concluded that the average per-person premium for small business coverage is continuing to trend upwards. They reported an 8 percent increase in coverage costs between 2016 and 2017. Eighty percent of small business owners are concerned about this trend, with 6 in 10 saying that they would be unable to afford a 15 percent hike in prices.

What if there was a way to keep, or even improve, your group health plan while avoiding the pitfalls of this costly trend?

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Tags: group plan, employer digest, employee benefits

Effective date for FMLA forms extended for employers

Posted by Emily Kubis on Mon, Jun 18, 2018 @ 08:06

Implement new FMLA forms

Employers now have until June 30, 2018 to implement the U.S. Department of Labor’s new Family and Medical Leave Act (FMLA) forms.

If your organization has not updated its forms with the new versions or where not aware of the change, the deadline has been extended through June 30.

What are these forms? The Department of Labor is required to submit FMLA forms to the Office of Management and Budget for approval every three years. The current forms were set to expire May 31, 2018. No other changes have been made to these notices, aside from the effective date.

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Tags: BerniePortal, HR, employer digest, BernieHR

Group benefits for nonprofits

Posted by Emily Kubis on Mon, Jun 11, 2018 @ 08:06

Nonprofits face challenges in building benefits plans

Do you have the right strategy for your group health plan? Nonprofits face particular challenges when it comes to finding the right approach to building a sustainable benefits package.

Bernard Health has a decade of experience working with nonprofits, and we offer a suite of innovative products and services to help your employees make the best choices when it comes to healthcare.

Here are three areas of need that nonprofits face when it comes to benefits. To learn more about this approach, click here to download the “Benefits Guide for Nonprofits."

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Tags: health insurance small employers, group benefits, employer digest

Group benefits for restaurants and hospitality

Posted by Emily Kubis on Fri, May 25, 2018 @ 06:05

The restaurants and hospitality industries face challenges in building benefits plans

Do you have the right strategy for your group health plan? The restaurant and hospitality industries face particular challenges when it comes to finding the right approach to building a sustainable benefits package.

Bernard Health has a decade of experience working with restaurants and hospitality companies, and we offer a suite of innovative products and services to help your employees make the best choices when it comes to healthcare.

Here are three areas of need that restaurants and the hospitality industry face when it comes to benefits. For more, download the free “Benefits Guide for Restaurants and Hospitality.”

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Tags: health insurance small employers, group benefits, employer digest

Group benefits for manufacturers

Posted by Emily Kubis on Fri, May 04, 2018 @ 07:05

Manufacturers face challenges in building benefits plans

Do you have the right strategy for your group health plan? Manufacturers face particular challenges when it comes to finding the right approach to building a sustainable benefits package.

Bernard Health has a decade of experience working with manufacturers, and we offer a suite of innovative products and services to help your employees make the best choices when it comes to healthcare.

Here are three areas of need manufacturers face when it comes to benefits. For more, download the free “Benefits Guide for Manufacturers.”

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Tags: health insurance small employers, group benefits, employer digest

Tips for optimizing an HSA benefits strategy

Posted by Emily Kubis on Wed, May 02, 2018 @ 08:05

Health Savings Account use continues to rise

A new study from the National Center For Health Statistics shows significant growth in the number of consumers with HSA-eligible plans and consumers with HSAs, though opportunities for increased adoption remain.

The study, which covered the first nine months of 2017, found that nearly half of privately insured consumers under the age of 65 have high-deductible, or HSA-eligible, health plans.

Eighteen percent of those enrollees also have a Health Savings Account, though a quarter of consumers with HSA-eligible plans do not yet have a Health Savings Account.

These percentages are on the rise. The percentage of people enrolled in HSA-eligible plans has increased almost 18 percent since 2010, and the percentage of people with HSAs has more than doubled since 2010.

Does your organization struggle with HSA adoption? Many do. Here are three challenges and solutions to an optimized HSA-eligible benefits strategy:

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Tags: HSAs, health savings accounts, employers, health insurance small employers, employer digest

Group benefits for construction companies

Posted by Emily Kubis on Fri, Apr 27, 2018 @ 08:04

Construction companies face challenges in building benefits plans

Do you have the right strategy for your group benefits plan? The construction industry faces particular challenges when it comes to finding the right approach to building a sustainable benefits package.

Bernard Health has a decade of experience working with the construction industry, and we offer a suite of innovative products and services to help your employees make the best choices when it comes to healthcare.

Here are three areas of need construction companies face when it comes to benefits. For more, download the free “Benefits Guide for the Construction Industry.”

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Tags: health insurance small employers, group benefits, employer digest

Need applicant tracking? Try BerniePortal Jobs

Posted by Emily Kubis on Mon, Apr 23, 2018 @ 06:04

Launching BerniePortal's applicant tracking system

Bernard Health clients have access to BerniePortal, an industry-leading benefits and HR platform that makes it easy to manage both the transactional challenges of HR and the strategic challenges of healthcare for small and mid-sized employers.

BerniePortal recently launched BerniePortal Jobs, an applicant tracking system that allows small and mid-sized employers to attract candidates, manage applicants, make offers and onboard new hires with best-in-class software.

While BerniePortal Jobs has a wide range of capabilities, its basic functions include job post creation, job post sharing, collaborative candidate review, applicant communication, and job offering tools.

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Tags: BerniePortal, onboarding, employer digest, bernieportal jobs, applicant tracking

Is your recruitment strategy tech-savvy?

Posted by Rebekah Michel on Wed, Apr 18, 2018 @ 08:04

Three ways to use HR tech to reach recruits where they are

U.S. employers have recruitment on the brain. With unemployment at near-historic lows, finding and keeping good talent is one of the top priorities for the HR department these days.

But is your organization’s recruitment strategy tech-savvy? Millennials are now the largest generation in the workforce, and finding new talent requires meeting them where they are—and that’s online.

Here are three tips for bringing your recruitment process online.

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Tags: HR, employers, hr software, hiring, employer digest, recruitment, HR tech, Small Biz Daily

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