chicago cubs #14 grey road jersey

chicago cubs #14 grey road jersey -

Employers manage risk in almost every aspect of their business, but often neglect to manage their health insurance risk. For many employers, health insurance chicago cubs #14 grey road jersey has become their highest expense after payroll.

The cost of health insurance has increased 119% in the past 9 years. To manage this risk, employers have changed health insurance carriers, raised copays, deductibles, and passed much of the premium increase to their employees. For the most past, these solutions are “Band-Aids” and this cost increase has become unsustainable and many employers are looking for a better approach.

I chicago cubs #14 grey road jersey can promise you that I am not suggesting that there is a magic wand that will slash your health insurance rates. What I am suggesting is that there is a financial instrument available called a Group chicago cubs #14 grey road jersey Health Captive which gives mid-sized employers (50-500 employees) a terrific opportunity to take control and significantly reduce this very large expense. The purpose of a Group Health Captive is to eliminate insurance carrier underwriting profit and minimize costs. When combined with utilizing proven risk reduction strategies, this approach offers substantial short-term and long-term savings for employees and employers. By pooling employers, the Captive enjoys preferential buying power.

Believe it or not, there are many employers who have implemented such proven risk reduction strategies with tremendous success, often resulting in renewal rates under 3%. Safeway, for example, has achieved noteworthy medical plan savings. Safeway has experienced flat claims the past 4 years, while nationally rates have increased 38% in that same period of time. In addition, the percentage of Safeway’s employee’s who are obese and/or smoke is now 70% of the national average. Point is, there are several proven tools and techniques that empower (and incent) employees to better manage their health. The result … a healthier workforce, a more productive workforce, and significantly lower health insurance premiums.