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In addition to a charge for doctor’s services, patients are frequently asked to cover use of the hospital-owned clinic.

Getting back to basics — eat right, exercise and don’t smoke — will move the needle on insurance costs.

Harassment can occur at any level in an organization – and not just by high value employees, and employers play a pivotal role creating a safe workplace.

With employees now seeking targeted, personalized options, employers should turn to solutions such as medical opinion and decision-support services.

Rather than destroy customer service experience, invest in automated technology and live chat capabilities.

Before advising employers to make significant plan adjustments, ask what their employees care about when selecting benefits.

Small businesses that fail to provide workers with solid guidance risk exposure to potentially crippling compliance and litigation costs.

The retirement plan gives employees freedom to direct investments and to accumulate savings.

Low participation rates shouldn’t stop advisers from offering the service, but rather provide an opportunity to gather success stories and improve engagement.

HR apps and wellness software make it easy to collect employee health information in one place, regularly update information and track goals.