Tom's Truths

Guest Blog: How Small Decentralized Benefits Agencies Are Outperforming Larger Competition

May 12th, 2020
truthinbenefits

Guest Blog: How Small Decentralized Benefits Agencies Are Outperforming Larger Competition

Guest Blog by Kevin Curran of EBSME, LLC There is an interesting trend emerging in the employee benefits industry. Highly skilled and tenured employee benefit consultants are leaving large “reputable” agencies to launch new agencies. While mergers and acquisitions dominate industry headlines, agency start-ups have seen an uptick and are an intriguing symptom of the… Continue reading Guest Blog: How Small Decentralized Benefits Agencies Are Outperforming Larger Competition

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Communicating Benefits; “The Math is Easy, The English is Hard”

May 5th, 2020
truthinbenefits

Communicating Benefits; “The Math is Easy, The English is Hard”

As many families are working their way through adventures in home schooling (aka crisis schooling), I can’t help but think back to the teachers I had going through the Andover (MA) Public School system. Some were good, while others were not. Then there were the teachers that absolutely stood out. I was reminded of one… Continue reading Communicating Benefits; “The Math is Easy, The English is Hard”

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Leadership in Times of Crisis: Navigating the New ‘Normal’

April 28th, 2020
truthinbenefits

Leadership in Times of Crisis: Navigating the New ‘Normal’

Until 1967, the United States was losing the air war in Vietnam. It was a time period referred to as the “suck”. With all the technological advancements until then, the US Air Force had experienced heavy casualties. The list of reasons is long, but it can be summarized in the nickname for one of the… Continue reading Leadership in Times of Crisis: Navigating the New ‘Normal’

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Step by Step… Why insurance companies ask you to take prescription drugs that you already know don’t work for you

March 23rd, 2020
truthinbenefits

Step by Step… Why insurance companies ask you to take prescription drugs that you already know don’t work for you

Happy Spring! For my friends up North who’ve endured another cold winter, I know this is a welcome time of the year. For my friends down South, let’s enjoy the season before walking outside feels like inhaling damaged silk (h/t Pat Conroy). For me, spring means allergies. My eyes fill with water like I’m watching… Continue reading Step by Step… Why insurance companies ask you to take prescription drugs that you already know don’t work for you

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One Small Step….For Employer Based Health Plans

March 4th, 2020
truthinbenefits

One Small Step….For Employer Based Health Plans

With the 50th anniversary of the moon landing occurring last year, there have been a series of multi-part podcasts released on that seminal event of the 20th century. If you are a podcast person, I’d suggest listening to “13 Minutes to the Moon” and “The Cold War: What We Saw.” Both are fantastic accounts of… Continue reading One Small Step….For Employer Based Health Plans

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Law of Historical Nature

February 2nd, 2020
truthinbenefits

Law of Historical Nature

“1917” was a fantastic movie. If you haven’t seen it, I strongly recommend it, even for someone like my wife, who unlike me, doesn’t wonder whether Helmuth von Moltke executed the Schlieffen Plan as intended, if Gavrilo Princip was a terrorist or hero, or who was responsible for the disaster at Gallipoli. WW1 is a… Continue reading Law of Historical Nature

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Take the “Co-” out of “Co-Pay”

January 12th, 2020
truthinbenefits

Take the “Co-” out of “Co-Pay”

In the employer-funded benefits space, we should all be encouraged at the progression from high out-of-pocket costs for basic health care services to value-based plan designs that emphasize low or no cost primary care, acute injury treatment, and preventive services. It doesn’t really matter how this progression started. I like to think it’s due to… Continue reading Take the “Co-” out of “Co-Pay”

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They did it! How One Company Improved Benefits and Cut Costs by over $200,000

October 21st, 2019
truthinbenefits

They did it! How One Company Improved Benefits and Cut Costs by over $200,000

Tired of the Kabuki Dance It started with a cold call, which is weird, given that many say cold calling is dead. After fumbling through the initial call like a 7th grader asking someone out on a date, we got to brass tacks, setting the meeting to discuss their situation and whether there might be… Continue reading They did it! How One Company Improved Benefits and Cut Costs by over $200,000

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High School Athletics and the Lessons for Life

August 26th, 2019
truthinbenefits

High School Athletics and the Lessons for Life

Pardon the Facebook-post nature of this blog. I’ll get to the point, but do to one of those life moments, humor me for a moment. Happy back to school week! I wish all of you with children returning to school the best as the morning rush and afternoon homework struggles resume. For many of us,… Continue reading High School Athletics and the Lessons for Life

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There are No Magic Beans

August 18th, 2019
truthinbenefits

There are No Magic Beans

No Insurance Product Will Solve the High Cost of Employer Sponsored Health Plans In the mid 1800s, people were fearful of traveling via “modern methods.” Train and steamship travel was treacherous. Even floating across a river on a barge could result in loss of life and limb – just ask the snake oil salesman traveling… Continue reading There are No Magic Beans

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