MyHealthGuide 9.26.22 – Workers’ Compensation and Pre-Existing Illness
MyHealthGuide Source: Joseph Dore, President, USBenefits Insurance Services, LLC, 9/23/2022 Many employers and employees are not aware that having a pre-existing condition, such as diabetes or a bad back, does not disqualify the employee from Workers’ Compensation...
What is Going On With Aggregate Coverage?
Ever wonder why two carriers have different aggregate factors? In some cases, the difference can be significant, which elicits an employer/broker’s reaction of, “Wow, great numbers!” no matter how much lower they are versus others. Why does this occur? What are the...
Full Speed Ahead for International and US Domestic Medical Travel
In SIIA's recent issue of The Self Insurer, Mike Lanza, Vice President of Claims at USBenefits Insurance Services, LLC shares his insights on medical travel providers. To read the full article visit SIIA's The Self Insurer.
Are All Stop-Loss Providers Created Equal?
When it comes to service, it may be hard to differentiate between Stop-Loss Providers on a “Request for Proposal” spreadsheet. As discussed in previous articles, choosing the lowest price may not be in the best interest of the Plan. Let’s go a bit deeper into why...
Should your Stop-Loss Carrier Participate in your Sales Process?
Unlike other carriers and MGUs, USBenefits believes we can add value to your sales effort. We recognize the sensitivity and concerns you (our producers) may have by inviting a stop-loss carrier to your sales presentation. Hence the question… Should your stop-loss...
Personal Touch….
At USBenefits, your goal is our goal – to provide the best possible outcome for the employer. This is not just a tagline for the employees at USBenefits, but a drive to do everything we can to support our customers. We work closely with our Third-Party Administrators...
Fully Insured Vs. Self Funding
Fully Insured – the employer purchases a standard healthcare coverage from a commercial carrier such as UHC, BCBS, Cigna or Aetna. The insurance company takes the risk associated with the employees’ healthcare and the profit when premiums exceed claims costs. Self...
Is Stop-Loss (aka Excess / Self-Insurance) Coverage Right for You?
If you’ve been following USBenefits Insurance Services articles you probably noticed a theme – the benefits and disadvantages of stop-loss (excess / self-insured) coverages and the importance of employing strategic plans. These plans could include, but are not limited...
Employer Groups Lowest Price Distraction
Some employer groups (employers) are fortunate to have brokers, consultants or Third Party Administrators (TPA) that represent their financial interests. These producers understand the employer’s “bottom line” to their clients and do not act as an insurance coverage...
Claim Success Story #5 – Burn Claim
The USBenefits claim department has, on average, over 35 years of experience in claim payment and review. Your goal is our goal – to provide the best possible outcome for the employer. This knowledge base, along with a team of the top cost containment vendors in the...