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How to Cover Infertility Expenses with an Infertility HRA

November 18, 2021

Much has been said about declining birthrates throughout the developed world. The CDC has found that the US had its lowest birth rate in over 30 years as of 2018. The effects of this are not just the longer people are waiting to have children, but also fertility issues. And these issues are well known …

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What is Perinatal Mental Health and Why Health Plans Should Care

November 3, 2021

Western medicine gets fair criticism for how it can “miss the forest for the trees” and this is found throughout our healthcare system. We have stomach doctors, liver doctors, pancreas doctors, psychologists, therapists, and more, yet all of it is connected via a large dynamic, and complicated system with multi-directional feedback loops, our body. And …

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Different Approaches to Reducing Health Plan Spending

October 28, 2021

Health plan costs are a burden on employers and employees. Health insurance premiums and cost-sharing are increasing faster than the median employee wage, with no end in sight. And as PwC’s health cost trend finds, we are expecting health costs to double every 10 years. With this environment, employers look to their benefits consultants for …

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High-Deductible Health Plans, HSAs, and Self-Funded Health Insurance

October 13, 2021

Starting in the early 2000’s, carriers began offering HSA-compatible health plans, known as High Deductible Health Plans, or HDHPs. These plans proliferated throughout the market because the premiums paid by employers were dramatically lower, and in many cases, the employer would also contribute to the HSA for each employee. Between 2007 and 2018, enrollment of people under …

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How can Employee Benefit Plans Incorporate Value-Based Care?

October 6, 2021

As companies continue to feel the pressure from increasing costs of employee benefit plans and healthcare costs, they need solutions. Their employees, who face greater and greater cost-sharing requirements like deductibles and co-pays, also need relief. One healthcare strategy that has received increasing attention over the years is Value-Based Care. It can take the form of Accountable …

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California Small Business COVID-19 Relief Grants

September 22, 2021

There are still a few days left before the September 30th deadline for the California Small Business COVID-19 Relief Grant program. There is a dedicated website for the program here: CAReliefGrant.com. These grants do not need to be paid back and can range from $5,000 to $25,000. If a business is in one of the following industries, …

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Suicide Prevention in the Workplace

September 22, 2021

September is Suicide Prevention Month and World Suicide Prevention Day was recognized on September 10. The LBL Group is committed to helping our clients create save workplaces that support employees across the spectrum of health needs, including mental and behavioral health. To this end, our consultant John Hansbrough was quoted by Going Digital: Behavioral Health …

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Making Health Insurance a Value Add for Private Equity Funds

September 15, 2021

A quick google search of “Health Insurance Private Equity” returns 307,000,00 results. Most of these address the impact of private equity investments from a medical economics perspective, such as videos by Dr. Eric Bricker entitled Private Equity Owning Doctor Practices or Older Doctors Selling Out to Private Equity. But much fewer discuss the impact of …

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What is a Medical Stop-Loss Captive?

September 8, 2021

In offering group health plans to employees, businesses have a lot to navigate and understand about the options presented by their benefits advisor team. The smaller the employer, the fewer the options available to them, while the largest employers with thousands of employees have every vendor clamoring for their business. But the majority of businesses …

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