Group Benefit Updates

Allstate Benefits

• Life Products
  • Long-term care is a hot topic these days. Consumers are looking for solutions, and they have lots of questions. Allstate Benefits has both – whole life and universal life products with a variety of accelerated death benefit for long term care riders, and resources to help educate your customers about their choices.
  • Check out our life products page to learn more. Your customers can learn from our white paper, A Simple Guide to Understanding Long-Term Care (and Paying for It), and our recent blog, Surprising Statistics That Will Make You Re-Think Long-Term Care.
  • Updated 05/24

• Continuous Learning for Brokers
  • Want to increase your net sales by 50%? Keep learning! Research shows that a continuous learning approach can yield that type of increase. At Allstate Benefits, we champion a culture of continuous learning to empower insurance agents and brokers through self-guided courses, live virtual classes and peer-to-peer collaboration. Learn more in our latest blog: Three broker learning approaches at Allstate Benefits | Allstate Benefits
  • Updated 05/24

• Tips for Annual Enrollment
  • Annual enrollment can be a stressful time for employees, but it doesn’t have to be. When employers use it as an opportunity to educate and engage employees, it can become a positive experience and set the tone for a healthy and successful year. Learn more in our blog: Five tips to help improve employee benefit engagement | Allstate Benefits
  • Updated 05/24

• Whole Life Complete: Group Life Insurance With an Accelerated Death Benefit for Long-term Care (LTC)
  • Click here to learn more.
  • Updated 04/24

BCBS of South Carolina

• My Health Toolkit – New Look, New Features for Members
  • New Features
    • Online bill pay
    • New claims experience
  •  My Health Toolkit offers access to many resources, including:
    • Claims, eligibility, and benefits information
    • Contact preferences
    • Authorization status
    • ID card – save a digital version of your ID card for faster access
    • Make payments (New for Medicare Supplement and U65 legacy plan members!) 
  • Click here to learn more.
  • Updated 04/24

BlueChoice HealthPlan

• New Business and Retention Teams for Small Group and Individual
  • Click here to learn more.
  • Updated 04/24

• Comprehensive 2024 Blue Option^SM Pharmacy Benefits
  • Click here to learn more.

• Women’s Health is Now Included in My Health Novel^SM
  • The Women’s Health Chapter of My Health Novel provides free support and solutions for the health struggles women face at various stages of life. Women can choose from a range of programs that will support them as they pursue their unique goals.
  • To learn more about how BlueChoice can assist you on your health journey, click here.
  • Click here to learn more.
  • Updated 03/24

• Blue Option – With Blue Option, your clients will have access to care, wherever they are!
  • BlueCard^® Program Provides Access to Care Nationwide
    • Your Blue Option clients traveling outside of South Carolina can locate participating doctors and hospitals nationwide. When they use a doctor or hospital through BlueCard, they receive the highest level of benefits.
    • Members should talk to their providers, including facility, lab, etc., to ensure they are participating in our network or the BlueCard network prior to having services rendered.
  •  Blue Cross Blue Shield Global^® Core Provides Access to Care Worldwide
    • Blue Option members take their health care benefits with them when they are abroad. Through the Blue Cross Blue Shield Global Core program, they have access to doctors and hospitals around the world.
  • If you have questions, please contact your BlueChoice^® representative.
  • Updated 04.24

Cigna Healthcare

• An Important Update From Cigna Healthcare
  • Cigna Pharmacy Management is pleased to provide you with the formulary updates that will be effective July 1, 2024.
  • As clients and customers continue to face financial burdens, lowering drug cost is more important than ever. Cigna Pharmacy Management’s July 2024 formulary changes – which encompass our low net drug cost approach – center around better affordability and improved pharmacy plan performance. If your clients have customers impacted by these changes, we will send notifications to them in late March and reminders in April and July.
  • Click here to learn more.
  • Updated 03.24

• Client Action Requested: All Payer Claims Database Opt-In, Opt-Out
  • Twenty-three states have laws requiring third-party administrators, health insurers, and other entities to report health care eligibility and claims to the state for compilation in a database referred to as an “All Payer Claims Database” (APCD). The APCDs use the data to help improve health care quality, reduce costs, and promote transparency.
  • APCD Eligibility and Claims Client Communication

Cigna+Oscar (TN & GA)

• Georgia
  • May 2024
    • Did you know that our Open Access Plus Network is a national PPO network? On a local basis it is also extremely vast with key hospital partners such as the NE GA Medical Center, Emory, Northside, Piedmont, CHOA, Wellstar and many more! Click here to search our full site!

• Tennessee
  • May 2024
    • Switch your clients to our new Bronze $9400 PPO plan with a choice of two great networks and save up to 7% vs. comparable competitor plans. Don’t miss out on maximizing your benefits – contact TCG today

Companion Life

• Ward’s 50 Life-Health Companies
  • The business consulting firm, Ward Group named Companion Life Insurance Company one of its top 50 performing life and health insurance companies for the eleventh consecutive year. Cincinnati-based, Ward Group, a provider of benchmarking and best-practices services to the insurance industry, annually analyzes the financial performance of hundreds of life and health insurance companies in the United States to identify the top performers. It recognized Companion Life for achieving results in the areas of safety, consistency, and performance.

• New Portal Enhancements
  • Companion Life’s portal now includes a “Chat Now” feature that connects users to a member of their service team. It’s a simple way to get answers to questions regarding an enrollment, bill or ID card. Try it out today!

• Defined Contributions: Non-Medical Offerings
  • Click here to learn more.

Guardian

• Guardian announces streamlined supplemental health with disability and mandated leave for a better employee experience.
  • Get a claims experience employees can count on — to learn more, click here or contact your Guardian Group Sales or Service Representative.
  • Updated 04/24

Humana

• EAP Offering
  • Humana offers an EAP solution for Group Benefits that’s included at no additional cost when a group purchases 3 lines of Group Benefits coverage, with one line being Disability. Services are offered through Telus. Three virtual visits—phone, video or chat sessions—with a professional counselor per member per issue, with unlimited issues.
  • Updated 05/24

• 2024 Humana Marketing Kit for Brokers
  • Our Broker Marketing Kit is a one-stop shop for product flyers, promotional materials, open enrollment resources, portal guides and current bonus information.

• 2024 Producer Partnership Plan
  • This document contains information on our 2024 Growth Bonus, as well as general information on our products and standard commissions.

• Dental Benefits with Humana
  • Dental Bundling Bonus
    • Just Announced! Our new Dental Bundling Bonus for April – September 2024 Effective dates.
    • To earn a bonus, place a NEW Humana dental line of coverage with at least one additional Group Benefits line of coverage with the same employer during qualifying period.
  • Humana is making leaps and bounds over what is standard in the market:
    • 3 cleanings per year instead of just 2
    • 4 Periodontal cleanings per year in Preventative as opposed to market only 2 per year and in basic
    • 9,999,999 Max available
    • Extended annual max in place of carryover account
      • Extended annual max can be used year 1
      • No thresholds or limitations are applied to this benefit

Kansas City Life

• Marketing Resources
  • KCL Company Group Benefits Product Brochure
  • KCL Product Guide
  • 10 Reasons To Do Group Business with Kansas City Life Insurance Company

• Life & Disability Insurance Marketing News
  • Business owners want to protect what they’ve built. You can offer solutions. See how our life and individual disability insurance (IDI) capabilities can help you stand out in the business market.
  • Visit our business solutions website for more resources.
  • Updated 04/24

• 6 ways your clients can upskill and reskill employees
  • 59% of employees are considering a job change. That could be expensive for your clients with the estimated cost to replace employees at three to four times their salary. Some employers are turning to upskilling and reskilling to help keep them.
  • Click here to learn more.
  • Updated 03/24

Sun Life

• Sun Life Expands Partnership with Goodpath
  • Sun Life U.S. has expanded its partnership with Goodpath to offer employer clients virtual whole-person care, a new employee benefit that provides care for physical conditions and mental health, including unlimited therapy sessions. Sun Life disability clients can proactively support their employees’ mental and physical health, helping to reduce the need for absences or extended leave. As access to care issues persist around the country, Sun Life continues to expand its portfolio of health services, including mental health, to help people get the care and coverage they need.
  • Visit Sun Life to learn more!
  • Updated: 7/1/24

• Webinar: How to Gain Control of Your Time

A ritual is, by definition, a series of steps that is followed faithfully. Rituals are a tool to help you keep your to-do list updated, calendar managed, and fires extinguished before they start. In this session, Melissa Gratias, Ph.D., an international speaker, coach, blogger, and author, will discuss how you can:

• Maximize your natural human tendencies to follow rituals.
• Customize the most productive ways to start and end your workdays.
• Learn how to stay on track with goals, metrics, and projects.
• Reflect on the importance of flexibility and the trap of perfectionism.
• Attendees may receive one SHRM & HRCI credit for attending LIVE.
• Register here today!

United Healthcare

• 2024 Summer Broker Webinar Series
  • You’re invited to sharpen your knowledge with the Summer Broker and Agency Webinar Series, featuring over 100 informative and engaging webinars on subjects such as Benefitter training, advanced sales strategy, the renewal and conversion process, and more. Click below to register:
    • Basic and Advanced Benefitter Training
    • New Business Broker and Agency 101 Training
    • UHC Level Funded Executive Summary Review
    • UHC Level Funded Intro & New Business
    • Advanced Sales Strategy, Decoding our Level Funded Product
    • UHC Specialty – Dental, Vision and Financial Protection
  • For more information about the 2024 Summer Broker and Agency Webinar Series and for a full list of webinars and dates, explore the 2024 Summer Webinar Series Catalog. For questions, please contact your UnitedHealthcare representative.
  • Updated 06/24

• Activate the Savings
  • 2-50 Fully Insured and Level Funded Groups receive a 1 time $50 credit/per dental sub when selling Dental with 10+ Subs enrolled with 1 Additional Line of Specialty with 10+ Subs enrolled January 2025.
  • Click here for additional details.
  • Updated 05/24

• Packaged Savings Program
  • 2-50 Level Funded and 2-99 Fully Insured Groups can earn a credit up to $7 PEPM on their monthly bill for adding UHC specialty lines.
  • Click here for additional details.
  • Updated 05/24

• 2nd Year Dental Rate Cap
  • New UHC dental customers can get a 5% second year rate cap when they add a dental plan by 8/31/2024.
  • Updated 05/24

• UHC Value Calculator Resources:
  • UHC Value Calculator 15 Employees
  • UHC Value Calculator 20 Employees
  • UHC Value Calculator 25 Employees
  • UHC Value Calculator 30 Employees
  • UHC Value Calculator 40 Employees
  • UHC Value Calculator 50 Employees
  • Updated 05/24

• Looking for UHC marketing materials to share with clients?
  • Click here to Log in with your One HealthCare ID to access and download marketing materials.
  • Updated 04/24

Unum

• Employer-paid Hospital Insurance: A Smart Way To Protect Your Employees
  • As medical costs rise, many employers are looking for ways to help their employees with medical expenses in addition to just traditional Short Term Disability coverage and Medical Insurance..  Unum’s Employer Paid Hospital Insurance allows an employer with a high deductible medical plan to help their employees supplement their out of pocket expenses for a hospital stay at an affordable group discount rate.
  • Click here to learn more.
  • Updated 05/24

• Introducing Mutual of Omaha as a Carrier Partner in Group Benefits
  • Starting 4/1/24, TCG will be partnering with Mutual of Omaha in Group Benefits. Contact your dedicated Sales Representative to learn more about this new partnership!
  • Updated 04.24