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There's a LOT to know about insurance. So, whether you've got a specific question or just want the 411 on what we do, click around on the articles below.
Personal Lines Insights | March 2023
According to the Centers for Disease Control and Prevention (CDC), nearly 1 in 3 American adults has high cholesterol. Too much cholesterol can put you at risk for heart disease and stroke—two of the leading causes of death in the United States.
Original Medicare vs. Medicare Advantage
While most Americans have heard of Medicare as one of many health care coverage options, they may not know how it differs from other privately offered options, such as Medicare Advantage. This article explains the differences between Original Medicare and Medicare Advantage, including the various doctors one can seek care from, the differences in cost and the range of coverage between plans.
Behavior-based Safety Explained
It’s critical for safety to be at the forefront of any organization, regardless of size or industry. By upholding a safe work environment, organizations can minimize the risk of costly on-site accidents and employee injuries—boosting staff morale and maximizing productivity.
Humana to Exit Employer Group Commercial Medical Products Business
On Feb. 23, Humana announced its plan to exit the employer-based insurance business over the next 18 to 24 months. The company will instead focus on government-funded programs—such as Medicare, Medicaid and military—and specialty businesses.
Commercial Risk Advisor | March 2023
Cybercriminals continue to become more sophisticated, leveraging a wide range of tactics to attack their victims. One tactic that has increased in frequency, complexity and resulting losses over the past few years is the use of business email compromise (BEC) scams.
Amazon Completes Acquisition of Primary Care Provider One Medical
On Feb. 22, Amazon closed its $3.9 billion deal to acquire One Medical, a network of boutique primary care clinics. This deal gives Amazon access to One Medical’s 815,000 members and 214 medical offices in 26 markets.
The Future of Work-from-Anywhere Arrangements
American workplaces have changed drastically over the past three years. The COVID-19 pandemic propelled remote work into the spotlight and created new working norms. In fact, many employees now work remotely or could if they wanted.
Record Number of Americans Delayed Medical Care in 2022 Due to Cost
The annual Gallup poll found that a record number of Americans postponed medical care last year. In the survey, 38% of respondents said they or a family member postponed care in 2022, compared to 26% in 2021. The 2022 percentage is the highest figure since Gallup began tracking Americans’ postponed medical care in 2001.
Pharma Lobbying Group Loses Bid to Block Drug Imports From Canada
A U.S. District Court recently overruled a lawsuit by pharmaceutical industry members to stop state governments from importing prescription medications from Canada. This ruling may encourage more states to consider importing medications from Canada as a strategy to lower the cost of prescription drugs for Americans.
Live Well, Work Well | March 2023
March is recognized as National Nutrition Month, making it a great time to evaluate the food and beverages you’re putting into your body.
Understanding the Quiet Hiring Trend
HR professionals have likely already heard about “quiet quitting,” where employees put no more effort into their jobs than necessary, and “quiet firing,” where employers or managers slowly pull back employee duties instead of outright firing them. Now, there’s another phrase gaining traction in workplaces: “quiet hiring.”
Mitigating Violence During Food Deliveries
Delivery drivers who transport takeout food to restaurant customers must have direct contact with the public as part of the job. While this is a necessary component of being a delivery driver, it also increases the risk of becoming a victim of violence.
Temp-to-Perm Hiring
Temporary-to-permanent hiring, also known as temp-to-hire or temp-to-perm hiring, can be a successful talent acquisition strategy for employers, especially when they’re experiencing labor difficulties. It allows employers to hire workers on a temporary basis without committing to permanent employment, thus reducing the risk of poor hiring decisions.
Mental Health and Chronic Illness
Living with a chronic illness can be draining, both physically and mentally. As such, people who live with a chronic illness are at a higher risk of developing a mental health condition. Likewise, mental health symptoms can cause a flare-up or worsen if you have a chronic health condition.
Record High of 16.3 Million People Signed Up for Health Coverage on ACA Marketplace
The Biden-Harris administration recently announced that a record-breaking 16.3 million people selected an Affordable Care Act (ACA) marketplace health plan during the 2023 open enrollment period. Among the 16.3 million enrollees, 3.6 million were new to the ACA marketplace.
Trucking Risk Advisor | February 2023
On Dec. 16, 2022, the Federal Motor Carrier Safety Administration (FMCSA) announced the Safety Measurement System (SMS) would now include an electronic logging device (ELD) violation. Now, under 49 CFR 395.24(d), the inability of an ELD to transfer ELD records electronically is a violation.
Winter Wellness Tips
The winter months are notorious for bringing sickness. Influenza (flu) season begins in October and peaks between December and February. Colds are also more common during the season. Further adding to the mix of potential wintertime illnesses, COVID-19 and respiratory syncytial virus (or RSV) are swiftly circulating in the United States.
Workers’ Compensation Costs Rise Due to Physician Services
A recent report by the National Council of Compensation Insurance (NCCI) found that physician services, specifically physical medicine, are key drivers of increasing workers’ compensation costs.
6 Tips for Better Brain Health
A brief lapse in memory, such as misplacing your wallet or forgetting a birthday, is often associated with being overly busy or having an excessive amount of stress. In fact, memory loss is a common part of aging. What can be problematic is when the episodes of forgetfulness increase and intensify into a more severe problem, such as mild cognitive impairment or even Alzheimer’s disease.
Inflation Rate Moderates to 6.4% in January
The U.S. Bureau of Labor Statistics reported that the consumer price index (CPI) rose 6.4% year over year in January, slightly down from 6.5 % in December. While the latest number represents a slight slowdown, the CPI was above predictions of 6.2%, signaling ongoing financial struggles for consumers.