Lewis Sollner

Lies #benefits brokers tell themselves #5 - It takes 2 - 3 years to develop a new client relationship. If it does, it's because your sales process isn't giving the buyer a compelling reason to move forward. Your primary job (through your #SalesProcess) should be to identify if there is an opportunity for meaningful improvement to a prospect's #HR and benefits program and, assuming there is, show them a clear path to addressing their needs and getting better results. I can't imagine any responsible #business owner and/or decision-maker wanting to wait, much less for two years, once they understand their business is broken and solutions are known, available, and manageable. Q4intelligence, LLC #Goose #YourUltimateWingman #LetsFreakinGO

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How many times did Aetna executives say they are cutting supplemental benefits on their earnings call? I count 6 times! Interesting to hear how the improved star ratings is a tailwind generally, but will also prevent them from cutting certain benefits on those plans. They called out dental specifically as driving high utilization, and also specified some of what they are going to be cutting. The biggest take-away that all of the market movement in MA is hammering home is that long-term medical claims at scale are not as predictable as they need to be for the current MA business model to work well with public markets. The MA plans could actually manage the cost of care down and still get hurt with the way things play out, but meanwhile when you guess incorrectly on medical trend or outlier shifts in the broader healthcare economy, there is no real way to make up the profit no matter how many providers you own. The last few years had an arms race to grow MA membership and everyone in the ecosystem played a role. Carriers in more aggressive plans, Agents asking for more aggressive comp, marketers driving more aggressive advertising and regulators with more aggressive new regulations. Right now there is a backward arms race happening at every major MA carrier, and competitive intel is being traded like gold.

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📣 Do PCORI Fees Apply to Fertility and Travel HRAs? Yes, they do! 🌟 Specialty HRAs, like fertility and travel HRAs, are subject to the PCORI fee. Here's a quick breakdown: ➡️ HRA Subject to PCORI Fee: Unless your HRA qualifies as an excepted benefit (e.g., separately offered limited-scope dental or vision benefits) or falls under the non-duplication rule, it will be subject to the fee. ➡️ Non-Duplication Rule: If you offer two or more self-funded plans (like an HRA paired with a self-funded major medical plan) with the same plan year, you can treat them as a single health plan for PCORI fee calculation. This means each enrollee counts as one “covered life,” not two. ➡️ Different Plan Years or Insured Plans: If your HRA is paired with an insured plan or has a different plan year than your self-funded medical plan, you'll need to pay the fee twice. Navigating these fees can be complex, but understanding these rules can help ensure your compliance. Feel free to reach out if you need more detailed guidance! #HR #PCORIFees #HRA #FertilityBenefits #TravelBenefits #EmployeeBenefits #Compliance

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Locating Specialty Providers that accept Workers' Compensation claims can present a real challenge. Not only is it time consuming for you, but most Specialty Providers have limited availability, do not understand the Workers' Comp process and have a history of excessive treatment plans. For the past 14 years, HeadsUp Healthcare has assisted TPA's, carriers, employers and municipalities in navigating the challenging world of Worker's Comp Specialty Providers. Let's chat at booth #413. Specialties: Dentist, TMJ, Maxillofacial Surgeons, ENT, Vision, Hearing, Neurology and Psychology. #dentalclaims #workerscompensation

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Substance abuse is a growing concern among older Americans, posing significant risks to senior care facilities. For providers in nursing homes, independent living and assisted living services, addressing this issue is crucial to maintaining safe and effective operations. Learn more: https://ow.ly/JSr150SxPE3 #SeniorCare #Healthcare #RiskManagement

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Many employers may consider carve-out strategies to limit the impact of pharmacy spending on health plan premiums — but not all carve-outs will produce savings. USI can help you evaluate options for your organization: https://usi.info/44tT4kF #USIExecutiveSeries

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