Should You Consider Self-Funding?

If you are a public sector employer of 200 or more benefit-eligible employees, self-funding, or self-insuring your medical and pharmacy plan(s) is an essential option to consider. Let’s compare fully insured to self-insured plans: Fully Insured Self-Insured •       Insurance company dictates the cost of the monthly premium to the employer •       Employee/Employer pays a set monthly premium •       Insurance company … Read More

Factoring Health Care Costs into Your Retirement

If you’re contemplating and planning for retirement, there is much to consider. The basics come to mind first, housing, food, transportation, travel to “bucket list” locales, gifts for the grandkids and – last but certainly not least – health care.    You may want to move health care to the top of that list. A study released earlier this year … Read More