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Preparing For The New Normal

Pandemic: In It Together The COVID-19 pandemic has brought substantial change, and now is the time to collaborate and share our ideas, our plans and our strategies. We know that organizations are being forced to make significant changes that dramatically impact their workforce. Many have had to reduce employee hours and apply for SBA or other loans. Some are having to address the situation with layoffs and furloughs. In an effort to meet these challenges head-on, EPIC was interested in hearing from the thought leaders in our network to ensure our strategies continue to meet your needs. We …

https://www.epicbrokers.com/insights/preparing-for-the-new-normal/

Coronavirus & Workplace Wellbeing: Primary Care and Chronic Condition Management

An important trend that’s emerging with coronavirus (COVID-19) is the deferral of any discretionary care. Yes, there is a current global health crisis, but for those with a chronic health issue, it is critical to keep up with preventive care to be sure conditions are managed. An annual physical performed as a check-in on current conditions or for early detection of pre-diabetes, hypertension or an immune deficiency might help effectively mitigate increased risk of a severe COVID-19 episode. It’s important that employees speak with their primary care doctor (or establish one) to be sure …

https://www.epicbrokers.com/insights/coronavirus-workplace-well-being-primary-care-and-chronic-condition-management/

One Tiny Bright Light in This Crisis – Telemedicine

Telemedicine is one great example of why it is so hard to change healthcare in the U.S. In the era of the coronavirus (COVID-19) pandemic, telemedicine utilization has gone from less than 5% of members to over 30%. Providers, facilities, employers and patients have universally agreed that getting care through telemedicine is a no-brainer. It eliminates wasted time and exposure to other patients who might pass along additional illnesses. It is significantly less costly and increases the amount of time providers can spend with patients. And it works. Many conditions do not require a doctor to perform …

https://www.epicbrokers.com/insights/one-tiny-bright-light-in-this-crisis-telemedicine/

Identity Theft Protection

… child’s education, also makes you more vulnerable to cyber threats. We understand your employees are dealing with a lot right now both personally and professionally. Your business and your employees have enough to worry about. Identity Theft doesn’t have to be one of them. EPIC’s National Voluntary Benefits Practice has teamed up with industry-leading Identity Theft partners to offer Complimentary Identity Theft Protection to your employees through the end of 2020. The offer is being extended to new clients only. If you already offer an Identity Theft Protection plan, you may want to check with your …

https://www.epicbrokers.com/insights/identity-theft-protection/

Coronavirus & Workplace Wellbeing: Pushing for Physical Health

… Options There are hundreds of wellness vendors in the ever-changing marketplace. Wellbeats offers on-demand, virtual fitness resources and announced they are offering free unlimited access to all their content through April. HealthyWage offers weight loss and step challenges. Members can sign up for challenges and pay an entry fee (employers may cover the cost) and winners are provided cash prizes. Fitbit not only offers activity tracking devices but offers a corporate solution for employee activity challenges, a coaching dashboard and much more. Health Plan Resources  Carriers typically offer free health and wellbeing resources such as mobile apps that

https://www.epicbrokers.com/insights/coronavirus-workplace-well-being-pushing-for-physical-health/

What Will COVID-19 Do to Healthcare as We Know It?

For more of our coronavirus coverage, visit epicbrokers.com/coronavirus  Viewpoints from Craig Hasday Two things are very clear as a result of the coronavirus (COVID-19) crisis: Americans are more aware of the need for health insurance than ever and healthcare has changed, forever. It was heartbreaking to read an article that described a desperate patient, about to be intubated, who asked the attending physician “how am I going to pay for this?” Healthcare was an election issue before COVID-19 and now it will likely be the election issue. With the swelling of the unemployed to 15% or …

https://www.epicbrokers.com/insights/what-will-covid-19-do-to-healthcare-as-we-know-it/

Insurance Companies Don’t Give It Away for Free

… plan does not bear the burden of over-age-65 adults (the ones who are the most likely to suffer hospitalization due to COVID-19). The Federal Government, through Medicare, will bear the brunt of those costs – not the commercial carrier insuring your company. As such, the “giveaway” of no-employee-cost COVID-19 coverage is a small handout for the money your carrier will make during this crisis as services are delayed. Likewise, the dental carriers are profiting even more. Dental offices around the country are simply closed, except for emergency procedures. For every month a dental office is …

https://www.epicbrokers.com/insights/insurance-companies-dont-give-it-away-for-free/

Benefit Plans Are Changing to Help Consumers

Last week, Congress passed the Coronavirus Aid, Relief, and Economic Security Act (CARES Act), a $2 trillion relief package providing emergency assistance and healthcare response for individuals, families and businesses affected by the 2020 coronavirus (COVID-19) pandemic. For more of our coronavirus coverage, visit epicbrokers.com/coronavirus  Health plan sponsors should look more closely at a few of the CARES Act details. Through December 31, 2021, CARES allows HSAs to be used for first-dollar telehealth benefits for any condition without disqualifying the high deductible health plan. Telehealth services are already considered an eligible expense for use with a …

https://www.epicbrokers.com/insights/benefit-plans-are-changing-to-help-consumers/