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Key Takeaways Multi-location employers can manage ancillary benefits consistently across states and locations when one carrier handles claims, billing and policy administration in a single system and every location works from the same employer portal. Ancillary benefits scale with a growing company when eligibility data flows through a flexible [...]

Key Takeaways Innovation only matters if it actually makes your job easier. That means faster implementations, clean eligibility data and claims support that answers the phone. A carrier that’s easy to work with will accept eligibility data in the format employers provide and handle the mapping and validation for [...]

Key Takeaways Large legacy carriers offer familiarity, but brokers are increasingly evaluating what the day-to-day working relationship looks like after the sale. Carrier experience matters throughout implementation, administration and ongoing service, making support and operational processes just as important as products and pricing. Brokers are looking for carriers with [...]

Key Takeaways The most effective member education campaigns equip brokers and HR teams with materials they can use right away. These resources make it clear what employees have, when to use their benefits and what to do next. Five materials do most of the heavy lifting: plain-language coverage guides, [...]

Key Takeaways Benchmarking gives brokers a view into how an employer's benefits compare with relevant market peers, but broad averages rarely provide enough context for a benefits decision. Useful benchmarking looks beyond benefit availability to include plan design, contribution approaches and the employer characteristics that can affect market comparisons. [...]

Key Takeaways When a carrier assigns an account manager to each client or group they serve, it provides brokers and employers with a consistent point of contact after implementation and throughout the ongoing benefits relationship, helping build trust and loyalty. Strong ancillary carrier support depends on coordination across account [...]

Key Takeaways Treat enrollment as a phased campaign, starting communication weeks in advance rather than waiting until enrollment opens. Use simple, direct explanations and a consistent core message so employees know what each benefit does, when they might use it and what steps they need to take. Reach employees [...]

Key Takeaways Ancillary benefits don't have to be disrupted when employers change funding models or benefits structures. Brokers can help maintain continuity by focusing on communication, administration and long-term planning throughout the transition. Choosing a carrier that's built to adapt can help reduce disruption for HR teams and employees [...]

Key Takeaways Supplemental health can no longer be considered just a voluntary add-on. As out-of-pocket costs keep rising, it’s becoming a core part of a usable high-deductible benefits strategy.  Traditional supplemental products often miss how financial strain actually shows up today, since employees are more likely to incur costs [...]

Key Takeaways Dental is one of the benefits employees use most often, so they notice pretty quickly when the experience works well — or when it doesn’t. A modern dental plan should make it easier for members to find care, understand coverage before treatment and make sense of claims [...]

Key Takeaways Bundling dental, vision, life, disability and supplemental health under one carrier helps reduce administrative fragmentation and creates a more consistent experience for HR teams and members. When eligibility, billing and claims are handled more cohesively across lines, fewer things tend to fall through the cracks during implementation, [...]