Cornerstone Whitepapers

How to Determine Medicare Creditable Coverage

The law requires that each employer offering prescription drug benefits as part of their employee benefit plan must notify any Medicare-eligible participant and the federal government if the coverage offered is at least as good as the standard Medicare prescription drug plan.

What Drives the High Cost of Health Care?

From all perspectives, there is no one single cause for the rise in costs, nor is there a single solution to contain them.

Shopper’s Guide to Navigating Discount Drug Programs

In the face of soaring drug prices, consumers have found an ally in their local big box stores, such as Walgreens, Walmart, Kroger, Target, etc. Roughly 4 out of 10 Americans rely on these programs to find savings for their prescription drugs.

2019 HSA Refresher: The Ins and Outs

As deductibles continue to rise and these numbers continue to grow, it is important to know the ins and outs of HSAs so that we can better advise our clients.

What are Association Health Plans?

The Trump Administration and the United States Department of Labor (DOL) announced new rules for Association Health Plans (AHP). The new rules allow insurance carriers to expand access to the market for fully insured plans beginning September 1, 2018, and on January 1, 2019, for self-funded plans.

The Holy Grail of Advertising: The Importance of Referrals From Your Clients

It can’t be said enough: Referrals are one of the most important components of a successful inbound sales strategy.

Short-Term Health Insurance: A New, More Affordable Option

Many short-term plans come with additional perks and benefits such as wellness, telemedicine, etc.

You Have a Lot to Offer! Increasing Revenue with Ancillary Sales

Add-on products or ancillary sales can account for as much as twenty percent of additional business revenue.

What’s Old is New Again: Recycling in the Individual Market

The title of one of my favorite movies, Back to the Future, seems apropos when compared to today’s individual health insurance market. With the Affordable Care Act (ACA) being anything but affordable, many consumers are looking for alternative options to cover themselves and their families.

Set Yourself Apart with Level-Funded Health Plans

What if you could provide hope, grow your book of business, and add unique value to help your small business clients save money all at the same time?

Are You Ahead of the Small Group Game?

If you are at all involved in the sales and/or service of small group insurance products, you have likely encountered MEWAs or been asked to advise on the pros and cons of such an arrangement.

You Don’t Have to be Zuckerberg to be in “The Social Network”

You can create a simple social media strategy that facilitates your business’s growth and augments your communication with customers.

Opioid Use Disorder: An Epidemic That Does Not Discriminate

Recently I attended a seminar on what has become the nation’s number one health care crisis: opioid use. It was a wake-up call to some astonishing information. Our industry has begun to feel the devastating effects and so far there is no end in sight.

Exploring ACA Alternatives

As ACA premiums continue to rise, so does the need for ACA alternatives.

What Would You Like to Read About?

Fill out my online form.