We Make Your People Our Business

We Make Your People Our Business

Investing in health and reward performance programs is becoming increasingly important to attract and retain a highly talented workforce. Empower your employees by encouraging them to take ownership of their families’ health and financial well-being - making them smarter consumers and more active participants in creating positive results. With studies showing that employees who are actively involved in their healthcare experiences are more productive and have better outcomes, lower medical costs, and less turnover, the opportunity for return on investment is real.

Brown & Brown’s Employee Benefits practice makes your people our business. Backed by our national strength, our local service teams utilize our deep expertise to optimize the value created by your employee benefits program. Whether improving employee attraction and retention, getting the most out of your vendor partners, controlling medical costs, or assessing the most suitable technology to meet your needs, our thoughtful and customer-specific solutions give you peace-of-mind.

PROVIDING COST-EFFECTIVE EMPLOYEE BENEFIT SOLUTIONS

We help you create an employee benefit plan to fit your organization’s unique needs with our comprehensive portfolio of solutions.

MEDICAL | Helping you manage your medical benefits spend by developing competitive programs that offer a balanced combination of quality and cost.

DENTAL | Building an evidence-based dental plan that complements your health and well-being initiatives – one that creates a stable risk pool and drives the right utilization.

LIFE | Delivering Group Life and Accident Insurance solutions that enable you to create intrinsic value through scale and group contract underwriting.

DISABILITY AND LEAVE | Working to reduce your employee absences, improve productivity, and be in compliance with applicable laws through a comprehensive review of your plan and insight into cutting-edge technology.

VOLUNTARY BENEFITS | Easing your voluntary benefit program implementation, enrollment, and communication with a robust program and advanced technology that engages a multi-generational workforce.

FLEXIBLE SPENDING ACCOUNTS | Managing the complexities of your flexible spending account plan to increase efficiency and participation.

HEALTH SAVINGS ACCOUNTS | Easing the burden of your employees’ future healthcare expenses with a long-term healthcare savings solution.

BENEFIT ADMINISTRATION SYSTEMS | Fitting your needs and budget with independent technology partners that have undergone our significant vetting process.

WELL-BEING SERVICES | Empowering your employees and reducing healthcare costs through a comprehensive wellness strategy that aligns with your business.

PHARMACY BENEFITS | Maximizing your financial outcomes, eliminating pharmaceutical waste and abuse, and increasing member satisfaction with independent prescription benefit consulting services.

Please contact us to learn more about our employee benefit solutions.

Wellness Programs after AARP v. EEOC

This update is part of a Brown & Brown series summarizing new guidance issued in connection with the Patient Protection and Affordable Care Act (also known as the ACA or Health Care Reform), as well as other federal laws impacting employer-provided health benefits. We are joining forces with our business partner, the law firm of Miller Johnson, to provide these updates to you.

Quarterly Insurance Brief: October 2018

Quarterly Insurance Brief: October 2018

The newsletter is intended to provide accurate and authoritative information on legislative and market news. It is distributed with the understanding that Brown & Brown is not rendering tax or legal advice. Employers should consult their attorneys or tax advisors for specific compliance information and assistance.

October Wellness Newsletter: Patience with Exercise Results & Opioid Addiction

October Wellness Newsletter: Patience with Exercise Results & Opioid Addiction

Getting started with an exercise plan is a big step toward a healthier life. But, sticking with that exercise program can be tough when you’re not seeing results as quickly as you want. When many exercise plans promise fast, dramatic results, being patient can be frustrating.

Some people may find that they work hard but aren’t seeing weight loss or feel like they aren’t getting as fit as they want. This can lead to exercise burnout and quitting. Don’t give up! Find ways to push through the tough times. If you keep it up, the benefits of exercise are worth the effort.

Cigna and Express Scripts Merger Approved

On Monday September 17th Cigna and Express Scripts announced the Antitrust Division of the Department of Justice gave approval for their proposed merger. On March 8th, Cigna announced it will pay $52 billion to acquire Express Scripts Holding, the largest pharmacy benefit manager (PBM) in the country. The combined company would be named Cigna and would be based in Bloomfield, CT., where Cigna has its headquarters. Last month shareholders of both companies voted to go ahead with the deal.

September Wellness Newsletter: 10-minute workouts & 6 Benefits of Drinking Water

September Wellness Newsletter: 10-minute workouts & 6 Benefits of Drinking Water

When it comes to exercise, any amount is better than none. The National Institutes of Health recommends at least 30 minutes a day most days of the week. But, this amount is hard for many people to fit into their day. What if you could get healthier with less exercise? Some research suggests that even a few minutes of exercise each day is helpful.

July Wellness Newsletter: "Perscription" for Exercise & Well-being Tips

July Wellness Newsletter: "Perscription" for Exercise & Well-being Tips

Many doctors recommend exercise to help with weight loss, strength and well-being. But, an exercise program may do even more than that. Research shows that exercise can help with certain health conditions. In fact, many people are now getting a “prescription” for exercise from their doctor.

Quarterly Insurance Brief: July 2018

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Quarterly Insurance Brief: July 2018

The Department of Labor (DOL) has updated its model notice for employers to provide information on eligibility for premium assistance under Medicaid or the Children's Health Insurance Program (CHIP).   Employers that provide health insurance coverage in states with...

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Blue Shield - Stanford Health Sign New Agreement

Blue Shield of California and Stanford Health signed a new multi-year agreement June 1, 2018 for Stanford Medical Center and its physicians and Affinity Medical Group, which had a potential termination date of July 1, 2018. This means that Stanford Medical Center and its physicians are again part of Blue Shield's statewide network with no lapse as an in-network provider for contracted networks.

Blue Shield cannot provided details on the specifics of the contract with Stanford Health, but they are pleased to be able to continue to give their members access to these providers.

Communications

  • Letters to commercial HMO/POS members assigned to an Affinity Medical Group PCP will be sent on June 4, 2018 to let them know they can keep their Affinity PCP.
  • An employer notification will be sent via email to employers with affected members on June 5, 2018.
  • Letters to members who have used Stanford Medical Center in the most recent 12- month period will be sent on June 4, 2018 to notify members they can again use this facility at in-network rates.

If you have any questions please feel free to contacts us!

 

Brown & Brown Update: Blue Shield / Stanford Health Agreement Expires

Blue Shield of California and Stanford Health have been engaged in discussions to renegotiate the terms of Stanford's hospital agreement (HMO/PPO) for Stanford Medical Center/Stanford Healthcare-University Healthcare Alliance PPO professional services, Valleycare Medical Center, and…

Quarterly Insurance Brief: April 2018

Quarterly Insurance Brief: April 2018

The Department of Labor (DOL) has updated its model notice for employers to provide information on eligibility for premium assistance under Medicaid or the Children's Health Insurance Program (CHIP).   Employers that provide health insurance coverage in states with...

March Newsletter: Gym Fears and Facts About Colonoscopies

March Newsletter: Gym Fears and Facts About Colonoscopies

If going to the gym makes you nervous, you’re not alone. Many people feel uncomfortable going to a new place with new people. But, if you find ways to deal with these fears, you could end up with a healthy habit that makes you feel great!

2018 Health Savings Account Limits

Yesterday the Internal Revenue Service released a bulletin which included IRS Revenue Procedure 2018-18: Inflation-Adjusted Amounts, Revised for Statutory Amendments of the Budget Reconciliation Act. The maximum family annual contribution has been reduced from $6,900 to $6,850. This change is effective immediately. If you allow employees...

February Newsletter: Vision Health and Blood Pressure Facts

February Newsletter: Vision Health and Blood Pressure Facts

Age-related macular degeneration (AMD) is the number one cause of blindness in older adults.
AMD damages central vision, which means things like reading, driving and seeing faces are limited
or impossible. There is no cure for AMD, but there are procedures and steps you can take to help
save vision. Lower your risk of getting AMD with these tips...