Here are some steps benefits advisors can take to provide clients with even more value during this challenging time.

We cannot stand silent and allow this moment to simply be one more that passes. Nor is it enough to use our voices only until the initial outrage subsides. We must use this moment as a catalyst for change.

Organizations have a unique ability to drive sustainable and affordable options by re-engineering health care. But, we need to have the courage to innovate.

As advisors, we may consider ourselves masters of change and sherpas of innovation, but as much as we challenge and push our clients to create and facilitate change, we are often just as guilty as missing the bigger picture of our own work

This period of remote work creates some unique opportunities to invest in developing our careers and ourselves.

Balance billing of medical air transport has become the poster child for "surprise billing, something that Congress wants to eliminate. Given the climate on Capitol Hill, now is the ideal time for private insurers and air ambulance providers to begin negotiating in-network agreements

Chelsea Whalley is an employee benefits consultant, COO and partner at J Donovan Financial.

As a third-party administrator for the health plans of many labor unions and essential workers in the epicenter of the coronavirus outbreak – the New York tri-state metro area – we have a unique view of the impact of COVID-19 on these groups.