Mitigate Partners

(????????????????????:????????? ???? ?????? ?? ?????????????????? ????????.) Do you follow the Centers for Medicare and Medicaid Services (CMS)? CMS oversees HealthCare.gov and the rules of the Affordable Care Act (ACA) and programs that affect the health insurance market.?Even if your plan is an “off-marketplace” plan, the rules and trends coming from CMS will affect your business. ?????? ?????? ???????????? ? Small group insurance premiums continue to grow (up 6.1%), while small group participation continues to decline (down 5.5%).?That’s important as fewer participants can mean ongoing fluctuations in your costs. ?????? ?????? ???????????? ? The ACA risk-adjustment provision helps “level” the costs between areas and enrollees with different health and risk classifications.?For example – average premium costs in Mississippi are $445 per month, while average costs in Ohio are $1,048 per month. The latest CMS report is located here. https://lnkd.in/enh3kEid ???????????? ???????? - these programs and trends affect ?????? ???????? ?? of your group health plan.?And if you’re relying on a broker – who shows up only once a year at renewal time - to keep you updated – ?????????? ?????????? ??????’???? ???????????????? ???????? ?????????? ?????? ?????????????? ?????? ???? ??????????????????????????. Smart businesses work with an advisor who regularly monitors their plan and informs them with options throughout the year. When you’re ready – contact Mitigate Partners.?Or spend more money.?It's your choice. https://lnkd.in/eV3MD_fF #ceo #cfo #hropportunities #ceoforum #cfoforum #employeebenefits #healthcare #pricetransparency

What’s the difference in annual costs here? - Payments on a $500,000 mortgage - A new car paid in cash - The cost of attendance at a large public university - Premiums for family health insurance coverage The answer??Nothing.?They all cost about the same. Now - which is more important to your business??Your employees want: - Security of living arrangements when they are not at work - Transportation to get to/from work - Education to help them do their job better - Confidence that any health issues will be covered The answer??All of the above. Final question – which of these can an employer REALLY influence? The answer??The cost of the group health plan being offered. You want ALL OF THESE for your employees.?But you can’t afford all of them, and you can’t change things beyond your control (like interest rates and car prices and college tuition).?And it may feel like the cost of your group health plan is “beyond your control”. But it CAN BE in your control – if you’re working with an advisor (not a broker) who offers you plan options (yes – more than one). Get smarter.?Think differently.?It’s time to get Healthcare that Works for you and your team. Contact an advisor near you. https://lnkd.in/egFVSQup #mitigatepartners #ceo #cfo #cfoforum #ceoforum #employeebenefits #healthinsurance #pricetransparency

Those who take care of “your best friends” need help too. And that’s what the new owner of Alpharetta Animal Hospital realized when reviewing the overall business performance.?Customer satisfaction was great, employees seemed happy, but there was a growing challenge on the income statement – the cost of the group health plan. Working with our colleague and plan expert Tom Studer, the owner made a change to get Healthcare that Works with a Direct Primary Care plan.?The results were immediate. - 50% lower premiums -?15% lower deductibles - 42% lower out-of-pocket maximums - 55% lower payroll deductions A total cost savings of over $37,000 in the first year for this 20-person team. Read more - https://lnkd.in/gBZRvram Whether your business is the same size – or larger or smaller – you can enjoy the same type of results to delight your team and improve your business. Think differently.?Get Healthcare that Works. Contact a Mitigate Partners advisor today.?Let’s get started. #mitigatepartners #hropportunities #ceo #cfo #ceoforum #cfoforum #healthcare #employeebenefits #pricetransparency

Advocacy is a big fancy word.?But do you know what it really means??More importantly – do you have advocates for your business? An advocate is someone who stands up for a belief or a cause for which they feel strongly.?In your business – do you have real advocates??You might have attorneys, sales leaders, and others who protect certain interests, but what about the other areas? Now think about the most important part of your business – which is your people.?You likely offer group health “benefits”.?But is your plan created with your team in mind??Even more – do you even get a CHOICE when it’s time to renew? Here’s the real question – is your insurance broker being a good advocate for your business? If “yes” – then great.?But if the answer is not a firm “yes” – then it’s a “no”. It’s really that simple. When you realize that you aren’t working with a true advocate for your business, then contact a Mitigate Partners advisor.?We work on your behalf to help you create a plan that works better for you and your people. Learn more here. https://lnkd.in/egFVSQup Then give us a call. #ceo #cfo #ceoforum #cfoforum #mitigatepartners #healthcare #pricetransparency #employeebenefits #hropportunities

You're probably just into the new plan year of your group health plan. But do you know what it's really costing you? How about the REAL impact over the past 10 years? Guess what? It's costing more. And who's paying for that growth? Your employees. And your business - at a an even higher rate. Here's a quick read that tells you more. When you're finished - give us a call. https://lnkd.in/e6yPy4FB It's time to think differently and get Healthcare that Works for you and your team. https://lnkd.in/gpZXTp-v #mitigatepartners #ceo #cfo #hropportunities #healthcare #employeebenefits #ceoforum #cfoforum #pricetransparency

Wow.? Just wow.? Big carriers “working for you”. You choose a group health plan for your employees backed by the stability of a global carrier “who will take care of your employees”.?Sounds good and kinda feels good.?But in that moment – you’ve given up control. Fast forward – someone is on the operating table – and the surgeon must take an “urgent call” about the patient’s overnight stay.?After the call, the carrier denied the patient’s stay. The surgeon expressed their views on social media.?And the result??They were served with a cease-and-desist order from a big law firm. So who is that “big carrier” taking care of? Read the whole story here … https://lnkd.in/e-PhfsEe ? Don’t let this happen to your employees.? If you’re simply renewing your group plan every year with the same large carrier, maybe it’s time to think differently.? That approach is costing your business … and the cost is more than the money on your income statement. ? We can help.?Learn about Healthcare that Works. And let’s get started. https://lnkd.in/eV3MD_fF #mitigatepartners #ceo #cfo #cfoforum #ceoforum #hropportunities #grouphealthcare #pricetransparency #employeebenefits

Does your insurance broker work with you all year long??Or is it a big surprise when they show up just once a year with your renewal premium? ? Start planning now to eliminate the surprises.?Work with a real business partner who will help you create plan options (yes, more than one …).?That’s what our advisors do.?And our clients enjoy Healthcare that Works with plans built by them … for them and their employees. ? Let’s get started.?Find an advisor near you. https://lnkd.in/eV3MD_fF ? #ceo #cfo #mitigatepartners #healthcare #pricetransparency #employeeefits

"Can you answer a question about my health plan benefits?" Employees ask that question every day. And to get their answer, they will ... - Go to the plan website, which requires a unique UserID and password of 12+ lowercase/uppercase letters and numbers and one special character - Check the app on their phone which also requires the same credentials - Call the number on the back of their insurance card to hear "Press 1 for English" then "Press 5 for Benefits", then to hear "you're now number 37 in the queue" followed by elevator music on a loop Sound familiar? We've got your solution. Introducing AVA by ALICORN? - a powerful AI text-based assistant that helps people get the right answers about their health plan when they need it the most. - Need an ID card? AVA can help with that. - Questions about covered procedures? AVA will let you know. - Verifying a claim? AVA gives you your Explanation of Benefits instantly. And best of all - it's all text-based. No app/login/password required. Just text AVA on your phone and you get the right answers you need. How do you get AVA for your team? Contact Mitigate Partners to learn more about this powerful tool and get Healthcare that Works for you and your employees. Visit mitigatepartners.com to find an advisor near you. (We are thrilled to offer this solution and are excited our partnership with our great friend - ALICORN? CEO Praveen Mooganur.) #hropportunities #employeebenefits #innovation #grouphealthplans #mitigatepartners #ceo #cfo

Employers and their employees want group health plans that work for them - built by them. That's what we do. And we constantly embrace partnerships that are aligned with that mission. Mitigate Partners and ALICORN? are excited to announce a strategic partnership to help employers have more control over their group health insurance plans and to empower advisors with robust tools to be more efficient in support of their clients. With these robust tools and services, employers and employees alike will enjoy faster, more reliable guidance about their benefits when they need those details the most. Learn more about this update ... click here. https://lnkd.in/g_BJfmHU And contact us to get Healthcare that Works for you - built by you. Find an advisor near you. A quick no-obligation call will be time well-spent. https://lnkd.in/egFVSQup #hropportunities #employeebenefits #mitigatepartners #healthcarecosts #ceo #cfo #pricetransparency

'Tis the season of corporate earnings announcements. Here's one that came out today. UnitedHealth Group corporate revenues grew by 9% y/y - resulting from "serving more people more comprehensively across the enterprise ... ” according to the announcement. Here's another data point. U.S. healthcare costs continue to rise - growing by 6-7% in 2024 with expected 2025 growth of 9% (according to recent report from McKinsey & Company - https://lnkd.in/eX-Jix3P). Companies are in business to make money. And just like your for-profit business, UHG is focused on growth for their shareholders. Not disparaging their focus, and especially in light of the recent inexcusable, irrational, unjustifiable tragedy in their executive suite. But at what expense to your business? The continued growth in costs of YOUR company's group healthcare plan is feeding their growth (and the growth of others) - and it's adversely affecting YOUR plans for growth. As an example - it costs approximately $25,000 in premiums annually - FOR EACH EMPLOYEE - to participate in a group healthcare plan. That's a lot, especially if your company is subsidizing those premiums. There are options that are BETTER on many levels. More benefits. Lower costs. More control. Plans built for YOU ... by YOU. We can help. Contact Mitigate Partners to let us show you how to get Healthcare that Works. Learn more at mitigatepartners.com. #healthcarecosts #pricetransparency #ceo #cfo #hropportunities #mitigatepartners #employeebenefits https://lnkd.in/dhJDqrBH