Consumer Driven Health Care

A study conducted at Steelcase Corp. by the University of Michigan determined that for every Steelcase employee who had the following concerns, the company paid more per year in health care costs. Excessive alcohol consumption: $597 Sedentary:

The "language of needs" Pay close attention to the "language of needs," which can reveal opportunities to introduce new options or provide alternatives to the current situation. Be alert for the use of words like

27 have cardiovascular disease 24 have high blood pressure 50 have high cholesterol 26 are obese 22 smoke 10 are heavy drinkers 60 don't wear seat belts regularly 50 don't get adequate exercise 44 suffer from excessive

The four-step sales process Success requires putting the hard-sell on hold. Instead, agents must communicate effectively with their clients to gain a clear understanding of needs, concerns and expectations. This is accomplished by following a

What you should expect from your international health insurance policy: Hospital Room and Board Intensive Care Unit Local Ambulance Physician Visits Annual Physical Exams Immunizations Prescription Drug Coverage

The benefits provided under most international health insurance policies are far more comprehensive than travel insurance and are more closely related to a private U.S. health insurance policy. Because these are annually renewable and permanent

Is there an affordable plan out there today that provides value and can be easily understood by the people it is covering? Since this is where we stand today, let's ask a few "what if?" questions: What if you could offer a plan

While other benefits get the chop, employers are hanging on to wellness programs. A survey by Buck Consultants found 45 percent of respondents are increasing their wellness communications. "Our findings suggest that wellness has 'come