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Nonstop Wellness Blog

High-quality benefits for nonprofits.

Start an outside-the-box conversation to improve open enrollment process - Employee Benefit News

[Image credit: Bloomberg]

Nick Otto writes for Employee Benefit News about engaging employees to better ensure peak participation rates in open enrollment and to increase understanding of the process.

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Leveling the self-funded field - Benefit News

This article by Robert Bull for Benefit News discusses how technology has removed the barriers to self-funding that used to exist for small- to mid-size employers.

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Top Five Questions Every Nonprofit Leader Should Ask Heading into Renewal Season

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As one of the biggest line items in any organization’s budget, employee healthcare should be a central conversational point for all nonprofit leaders, especially in the months leading up to renewal. Understanding the details of the current plan, as well as creative alternatives that might provide better benefits for less money, are critical to ensuring the financial health of the organization and the physical (and financial) wellbeing of employees. Leaving these discussions to the last minute – or not having them at all – can leave everyone vulnerable to the rising costs of healthcare.

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Thought Leader Q&A: Mike Wurtsmith, Board Chair of Thunder Bay Health Center

Recently, we spoke with Mike Wurtsmith about the larger role that nonprofit boards should be playing when it comes to choosing health benefits for their organization’s employees.

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The Healthcare Approach You’ve Likely Never Heard Of – and How It Will Forever Change Your Recruitment and Retention Efforts

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Finding talented staff may not be all that difficult. But convincing them to actually work for your organization? That’s a whole different story. Our current job market is constantly evolving, with more niche positions, an emphasis on flexibility, fast paced technology growth, and gig economies on the rise. Those organizations that can shift on a dime most often win the talent pool.

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Health Insurance 101: Common Misunderstood Healthcare Terms

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A few years ago, the Journal of Health Economics found that 86 percent of Americans couldn’t define the basic terms associated with their health insurance – deductible, copay, coinsurance, and out-of-pocket maximum. And in 2016, a survey by PolicyGenius found that 96 percent of Americans overestimate their understanding of these terms, with only 4 percent able to define all four of the above concepts. The correlating result? This lack of knowledge or true understanding is likely leading to increased – and possibly unnecessary – healthcare spending.

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Five Reasons Why You Should Partially Self-Insure

PSI – shorthand for partial self-insurance– is a highly effective way for nonprofits to provide employees with access to quality, affordable health insurance without eating away at fragile budgets. But many organizations, stuck in the staid method of traditional fully-funded insurance, likely haven’t been exposed to PSI. This could be due to myriad factors, including a lack of willingness on their broker’s part to explore alternatives because of the high commissions earned from some fully funded plans (e.g. lower deductible/higher premium plans).

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Employers boosting benefits packages to attract top talent - Employee Benefit News

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Nick Otto writes for Employee Benefit News about the strategies employers are using to keep their healthcare benefits offerings competitive and attract and retain talented employees.

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One in four Americans skip medical attention because of cost - Benefits Pro

What's worse, 56 percent of Americans don't think they'll have affordable health insurance in the future. (Photo: Shutterstock)

This article by Katie Kuehner-Herbert for Benefits Pro discusses how many Americans - even those with insurance - are skipping doctor's visits because of high out-of-pocket costs.

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Effective Employee Healthcare Decisions Require a Collaborative Approach

In many organizations, HR departments are often solely responsible for making decisions around employee healthcare, with CFOs and other leaders coming onboard for final approvals.   However, key player involvement – especially from the CFO – early in the process can be a game-changer when it comes to creating a more effective and well-rounded healthcare program for staff.

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The information and materials herein are provided for general information purposes only and are not intended to constitute legal or other advice or opinions on any specific matters and are not intended to replace the advice of a qualified attorney, plan provider or other professional advisor. This information has been taken from sources believed to be reliable, but there is no guarantee as to its accuracy. In accordance with IRS Circular 230, this communication is not intended or written to be used, and cannot be used as or considered a ‘covered opinion’ or other written tax advice and should not be relied upon for any purpose other than its intended purpose