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My dad often mentioned to me a line out of a Robert Browning poem, “…a man’s reach should exceed his grasp, or what’s a heaven for?”  It took me years to grasp its’ meaning, yet now I recognize the phrase offers guidance to relish one’s journey. Knowing healthcare perfection is beyond reach, our company’s journey …

The Question Behind the Question

I recall as a kid getting into a lot of trouble. Harmless trouble, mind you. Growing up in what was then the middle of nowhere in South Fulton County where our nearest neighbor was a half-mile away, there wasn’t much trouble you could get into that harmed other people. Shooting each other with BB guns, …

Income Protection The Foundation of a Sound Financial Plan

Few assets are more valuable to an individual than their ability to earn an income over their lifetime.  For many, this can mean millions of dollars over the course of a career.  Income is like the gas in the tank of your financial life, enabling you to pay the mortgage and basic living expenses, provide …

Who owns your benefits consultant

“The Benefit Company is Committed to Remaining Privately Held”, one brochure stated.  We recently had an internal discussion about employers being better off as a client of our firm because we are Privately Held. One of our team members asked, “Do employers care if we are Privately Held?”  An immediate response included, “…nimble, flexible, entrepreneurial – …

New Years Resolution for Benefits

With the beginning of each New Year, many individuals contemplate a set of New Year’s resolutions. Webster’s Dictionary defines a resolution as a firm commitment to do or not to do something. In what ways can employers develop resolutions for employees and their benefits package?  To identify what I believe is a priority in this …

Reference Based Pricing
It’s no secret that health insurance premiums have been steadily rising for many years. For employers, this means an ongoing search for ways to save money while continuing to offer quality benefits for employees. One innovative concept for self-funded employers that is rapidly growing in popularity is Reference Based Pricing, or “RBP”. RBP strategies have the potential to save significant amounts of money for both employers and employees. However, they also require special care to ensure success for both parties. Let’s take a look at how these plans work, as well as some of the pros and cons for employers considering this strategy.
How To Save Healthcare

The first part of an article is often used to convince the reader of the writer’s credibility, right?  Here goes… I’ve been in the benefits industry for over 10 years and consult with clients that have 1,000s of members and those with 100s.  Over the last five years we have plans with flat to negative …

The Benefit Company continues to grow!  We are pleased to announce the addition of Bri Pierson and Debbie Green to our team of professionals.   Both have experience in the world of employee benefits and will add deep strength to serve you and your clients proactively.   Bri Pierson, a native of Roanoke, Virginia joined TBC …

Updating a buy sell agreement

Ah Spring…. Flowers blooming, warmer weather, and the feeling of renewal and rejuvenation.  It also brings everyone’s favorite pastime…”spring cleaning”!  I know, I know, cleaning out the garage and straightening up the attic is not the most exciting way to spend a Saturday.  All jokes aside though, Spring is an energizing time of the year …