As a Texas-based benefit adviser, I can speak from experience about the article
Insurance carriers here will accept the HB2015 reports in lieu of employees answering medical questions on small group applications, which has really sped up the underwriting process. My clients and I can also make informed decisions at renewal, but more importantly, we can help reduce claims through education. Too many ER visits? We can educate employees on urgent care centers, which are more cost effective. Large claims due to preventable disease? Voila - a wellness program!
As an adviser, I have to guide and educate clients on HB2015 - most don't know it's available, and they sure don't know how to request it.
Wellness challenge
Congratulations to Joe, Anne and Heather for participating in the 2010 EBA Wellness Challenge! I used to spend three to six hours a day on a bicycle, so fitness is part of my DNA. I could relate to all the comments about trying to find the time, motivation, and balance to add - or return - wellness and exercise to their lives. That is a difficult thing to do. I'm having the same struggle right now and I can really feel the difference. Exercise is vital - it energizes your body and mind. Joe Ellis was right on when he said that after going to the gym, "my mind is sharper when I'm dealing with clients."
One of the ways I've been able to combine business and exercise is to take an issue, presentation, or idea with me when I'm on a run or a bike ride. I work through the problem, do visualization, or just let my mind clear so that I can get a fresh perspective.
It's MLR time
One thought about medical loss ratios (
Soul searching
Finally, Craig Davidson asks a great question:
Do you have a sales story? As Davidson says, ask yourself the tough questions and do some soul searching. Be different. Be memorable. And look to where benefits are going - not where they've been.
Reach Bryant, founder of Woodlands, Texas-based SB&K Benefits, at