All of us have experienced the terms “mitigating” and “managing” used interchangeably with respects to claims. For the purpose of this article and from an insurance perspective, in my opinion, the two have very different meanings. Mitigating applies to before the...

There have been many articles written on air ambulance bills recently, and this media spotlight is much needed and overdue. Historically, this service has been an issue, and unfortunately continues to be a problem as the cost for this service continues to soar....

For those that have experienced an organ transplant either as a patient or loved one, you know firsthand the emotional roller coaster this can be – from the onset of being diagnosed to a recipient. While most patients can be candidates, in some cases difficult medical...

By Joseph Dore, President, USBenefits Insurance Services, LLC On occasion, employers and/or employees may be unsure if an injury or illness (injury) can be considered work related.* The short definitions for the two insurance products are: Workers’ compensation...

With the new Centers for Medicare & Medicaid Services (CMS) Hospital Price Transparency rule, there has been some research that indicates the cash price may be lower than the commercial insurance negotiated price. Is this accurate? How does this impact...

USBenefits Insurance Services (USB) was recently asked if, and how, the No Surprises Act (NSA) impacts stop-loss coverage. It is our assessment that the responsibility of managing claims in accordance with the NSA falls upon the employer’s Third-Party Administrator...

According to the Peter G. Peterson Foundation, the U.S. has one of the highest costs of healthcare in the world. In 2018, the United States spent about $3.6 trillion on healthcare, which averages to about $11,000 per person. An article by Health System Tracker echoed...

USBenefits believes in the importance of self-funding. We’ve built our reputation around this belief, and we strive to support our self-funded partners and their financial goals. According to the Kaiser Family Foundation’s 2020 Employer Health Benefits Survey, 67% of...

Since our inception in 2007, USBenefits has been committed to building partnerships with producers and employers – and these partners are an integral part of our success. Mary Ann Wessel, vice president of Irvine, California-based EBA&M shared her testimonial on...

How the Art of Comparing Stop-Loss Quotes Has Changed Online car purchases have revolutionized how many people buy used cars today. From the comfort of your own home, you can select the make, model, year and color you want, line up three of the exact same car, and...