Jenan Frederick, ARM, CIC

To maximize the affordability and value of GLP-1 treatments, employers should consider a variety of approaches https://ow.ly/xMcR30sF3CI #EmployeeBenefits #healthcare #Rx #GLP1 #WTWPerspective

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Recently invited to share information on how provider contract discussions are approached. These conversations are generally kept private because we almost always reach an agreement, and we don’t want to cause unnecessary stress or confusion for our members. Please take a moment to view the video and review our latest provider contract updates at https://bit.ly/3XnkxRE

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A recent study by OneAmerica highlights the growing need for long-term care planning as costs surge and consumer confidence remains low. With 74% of respondents believing they will require long-term care, only 33% feel adequately prepared, underscoring the importance of early and informed planning to safeguard finances and ease family burdens. There are several ways to plan for the future costs and burdens of aging, from traditional partnership-certified policies to hybrid policies combining life insurance or annuities with a qualified rider for long-term care to even short-term cash indemnity policies. Having a plan is essential to ensure access to quality care, protect income and assets, and reduce the burdens on those you love. The best time to plan is before you retire. Get free and accurate quotes from all the top companies from one trusted source - www.mccannltc.net Discover the cost of care where you live at https://lnkd.in/gHqTMyrD If your loved one needs quality care now, use the LTC NEWS Caregiver Directory -www.ltcnews.com/care If you're a Long-Term Care Insurance professional seeking a home, consider joining forces with Platinum LTC Solutions. Insurance agents, CPAs, lawyers, and financial planners, let's collaborate to assist your clients nationwide. Contact for more information — https://lnkd.in/gAhJgmjg https://lnkd.in/gBJ7vEzf

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https://lnkd.in/emVb6suQ Takeaway: Hospitals are seeing care patterns return to normal, with average length of stay and emergency department visits stabilizing in April 2024, according to the latest “National Hospital Flash Report” from Kaufman Hall. Additionally, outpatient revenue and operating room minutes increased in April, the report noted. Net operating revenue per calendar day also grew by 5% month-over-month and 13% year-over-year, helping to put hospitals in a better position compared to three years ago (21% increase in year-to-date versus 2021).

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❗ ❗ California Mandates IVF Coverage for Group Health Plans Starting July 2025, California's Senate Bill 729 will require group health plans to cover certain fertility treatments, including IVF, for policies written or renewed on or after July 1, 2025. Large plans must cover up to three IVF cycles, while small plans must offer the option to cover infertility services. Read more to stay prepared in our latest edition of Compliance Directions. https://lnkd.in/g6Vsp2JK #EmployeeBenefits #ComplianceConsulting #ComplianceDirections

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A case for the value of Medicare Advantage. Key takeaways from the study: 1) Low Value Services (LVS) provide little or no benefits to patients, and in some cases, may even cause harm. 2) In a study of 6M Medicare beneficiaries, it was found that Medicare Advantage enrollees experience fewer unnecessary medical services compared to traditional Medicare enrollees. https://lnkd.in/eVFZss7r As the 2025 Medicare AEP rapidly comes to a close, it's important to recognize the value of the plan you recommend to your client. At Priority Health we always focus on value-based care to ensure our members receive the best care to lead to better health outcomes. This is something you can count on when you enroll your clients with a Priority Health Medicare Advantage plan. Good luck closing out a busy AEP! #medicareadvantage

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Good insights on a timely topic - GLP 1s and weight loss.

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The ongoing financial impact of Covid on healthcare organizations is a reality worth considering. This article from Modern Healthcare sheds light on the challenges faced due to supply chain disruptions. Understanding this dynamic risk factor is crucial, and HUB International's EPS strategy offers specific tools and data points to navigate these complexities effectively. #healthcare #riskmanagement #logistics

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A great article by the FACHC that highlights the importance of local community health centers and the impact they have. Read more about it below!

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The National Association of Benefits and Insurance Professionals (NABIP) is the preeminent organization for health insurance and employee benefits professionals. Returned from our 95th Annual Conference in Chicago and let me tell you, the resources and knowledge in this industry is incredible. Staying educated in your industry is key. #RedlineHealth #NABIP2024 #MedicareandMotorcycles #MedicareisMyBusiness #AgentsAreTheAnswer

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This is such an outstanding example of the professionalism of John Marshall, HUB International and our Healthcare Specialty Practice. Far too often risk advisors only consider insurable exposures to risk. This is a prime example of what it means to “break barriers” in the field of risk management and healthcare. Way to go, John!!

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The number of available Part D plans across the US drops in 2025 from 709 to 524 (-26%). Many, but not all, plan premiums are increasing for 2025. Total Average Part D plan premiums in Fairfield County CT are rising 22.32% for 2025.

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The weight management industry is booming, fueled by the rise of GLP-1 medications like Wegovy and Ozempic, which promise significant benefits. But the high costs and prevalent side effects of these drugs present real challenges for both employees and employers. Balancing effective weight management while controlling spiraling healthcare expenses is now a strategic imperative for employers, vendors and consultans. Discover strategies that offer holistic support to maximize wellness and productivity, reducing costs effectively. Thanks for these insights, Bill Snyder. #HealthcareInnovation #EmployeeWellness #GLP1

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As Bob Dylan famously sang, "The Times They Are A-Changin'." Indeed, we're facing some possible changes to Medicare Advantage that could impact us all. It’s important to stay informed and prepared as we navigate these shifts. By understanding what's on the horizon, we can continue to provide the best service and advice to our clients. But amidst all these changes, there’s one thing that remains steadfast and reliable: Hospital Indemnity! It’s the perfect complement to any Medicare plan, offering additional peace of mind and financial protection. Hospital Indemnity is a true constant in an ever-evolving landscape, and it continues to be a "win-win" for both agents and clients. Now is the time to leverage the stability of Hospital Indemnity to make a real difference. By educating our clients on its benefits, we not only enhance their coverage but also reinforce our role as trusted advisors. This product bridges the gap between Medicare Advantage and Supplement plans, ensuring comprehensive protection for our clients. Let’s embrace the opportunity to make a positive impact. Get out there, share your knowledge, and start selling! Every conversation you have is a chance to make someone’s life a little easier and a lot more secure. Together, we can navigate these changes and come out stronger on the other side. Remember, success is not just about numbers; it’s about the lives we touch and the peace of mind we provide. So, let's all be winners! Stay positive, stay motivated, and let’s make a difference in the lives of our clients. #Medicare #Motivation #StayPositive #ClientCare

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This piece by Modern Healthcare is spot on (link in comments), and well worth the quick read for any stakeholder in the #medicareadvantage space to ensure you are considering the risks new membership may bring. 📉 We know that many of the national #medicareadvantage organizations pulled out of markets for 2025. They likely were doing so because the areas were under performing or because they didn’t see a path to profitability. 💲 In service areas where MAOs retained plans, many nationals are also not paying commissions in some form or another – and the reason for that is after seeing what competitors are offering, they are worried the membership they may attract will be “poor risks” or that they will be unable to manage these members in the long-term. 👵 For smaller, regional, health insurers who remain in these service areas, they have an unprecedented opportunity to expand market share due to the nationals plan terminations or SARs. ❓ However, smaller, regional, MAOs should stop to question – what does this really mean for us? It will be critically important to understand the new membership MAOs are taking on in 2025 – the characteristics each member brings and if your organization is prepared to manage those members. This may or may not have been something #medicareadvantage organizations planned for in their 2025 bid – but as you are going into 2026 bids, it will be especially important to measure and adjust your 2024 population baseline (used in the 2026 bids) for the new membership you have taken on. If you have any questions on better understanding this dynamic, please do not hesitate to reach out!

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America's shortage of primary physicians persists, resulting in worsening health outcomes across age cohorts. California recently made a bold statement by setting new benchmarks that support increased investment in primary care, and improve health outcomes. “Investing in primary care works: Research finds that when states invest more in primary care, their residents have better health outcomes and fewer visits to emergency departments and hospital admissions,” said HCAI Director Elizabeth Landsberg. “These benchmarks will make California a national leader in primary care investment, which is key to building a high quality, equitable health system and controlling costs.”  This is big news for those in the health care and insurance sectors. Improved primary care translates to improved access, better health, and ultimately, lower costs. #HealthCareAccess #BackToWork #PrimaryCare #CAPavingTheWay https://lnkd.in/eXBUcUKV

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In case you missed it, the 2023 Humana Impact Report was published last month! Bruce Broussard's letter for the 2023 Humana Impact Report dives into his perspective on our progress and the ways in which we are caring for the needs of our customers, our employees, our communities and our environment.    If you’re interested in learning more, you can explore the full report by clicking on the following link: https://huma.na/3U52dg0     #HUMemployee #TeamHumana #HumanaImpactReport 

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