Helpful Links:

• Cost cutting health promotion program
• Employee Assistance Directory
• Government Information about HSA’s, HRA,s, MSA,s,FSA,s
• Q&A to all Section 125 Questions

A NEW PARTNERSHIP: EMPLOYERS & EMPLOYEES

In the 21st Century, employers will need to form a different relationship with employees to survive. Employees must become a part of the solution. Human resource issues will be even more instrumental in the success of a company. To control benefits and health insurance costs, employers will endorse greater benefit communication, policy education; use incentive programs to motivate employee participation in health programs that bring attention to their lifestyles and choices. And utilize a full array of web based programs and tools to minimize administrative costs.

Consider the increases of the past ten years for the next ten years. Health insurance costs for 2010 are estimated to cost employers $10,743. Research by Hewitt Associates (human resource firm) in 2009 forecasted health insurance costs to be $28,530 by 2019.

Where will your business be in the next 3 to 5 years?  “Train Wreck Analyzer”. Find out here >>>>>

WHAT WILL YOU CHANGE?

They are many different concepts, rarely communicated to employers because it’s been too easy for brokers to present ad-hoc solutions over the past ten years of incredible rate increase. As rate increases continued the many ways to mask the increase where simple; pass off increases to employees, raise deductibles, raise co-pays, coverage limits, re-define funding mechanisms, i.e.  HSA’s, HRA’s. Problem is they didn’t work.

TCB Insurance Group uses tools to design and evaluate current benefit plans and how well they work. We promote programs developed to enable employers to sponsor the most effective cost management system. We provide a Human Resource library to stay current with changes as they occur.  Participation is the key to all programs as communication are the key to participation. We communicate, utilize surveys to get feed back from employees to ensure a very high percentage of employee buy-in. Simply put, there are numerous concepts, ideas and tools that have been available. It is not a matter of what to change but when!

Do You Have A Plan? We Do!

Our Strategic Planning Tool kit offers employers a road map for evaluating an organizations future course as it relates to employee resource management. We employ a comprehensive documentation system that provides strategies, instruction, checklists and direction. Based on the decisions we help you plan, your company will know where to allocate its resources to pursue defined objectives of an action plan to control costs for the next 3 to 5 years.  A unique custom designed plan that fits your company’s business model.

“You can’t solve a problem with the thinking that created it. You must see the world anew”. Albert Einstein

“TCB Insurance Group will build your company a plan for the future! We will assess where you are, then design a plan that gets you ahead of current trends. This path will establish a savings projection that can reach as high as 50% in the next 5 years!”
Marvin L. Wilkerson, President

A 21st Century Tool

= Definition: benefit-strategic-planning

SMART is a formal documentation system that considers an organizations future course as it relates to human resource management. The SMART system will organize the process of defining human resource issues, direction and decisions on allocating its resources to pursue defined objectives.  SMART planning is a proactive process that is internally focused, with management and advisors, as the outcome is normally a strategic plan that will guide HR Department strategies. TCB Insurance Group will implement this powerful tool in your organization whether it is small, mid-size or large. The Smart strategic plan will immediately bring a vision and understanding to a cost effective approach beginning immediately leading to a 10% - 30% reduction in health care costs over the next 5 years.

“All we need to do is to look at events that have already occurred and decide what will happen as a result” Peter Druker

SMART Roadmap

Can you afford to continue with 10%-15% a year health
insurance cost increases?
Our clients know a better way!

It’s not enough to put a health promotion plan in place. You must have participation to expect to lower cost trends. Wellness programs are being promoted by many carriers and organizations. But! Less than 5% are able to experience a return on investment. There are many ideas that can be used to turn this around.

You already own the tools to lower health care cost by 6% - 10% per year

Break free from the ineffective strategies of cost shifting, restricting access, and reducing benefits by following an approach that treats the root cause of sky-rocketing healthcare costs not just the symptoms!

Don’t pass up this opportunity to receive the “Executive Health Care Cost Management Report” written by one of the foremost authorities in the country, Michael Puck, SPHR. Mr. Puck does not present untested & untried solutions.

Pitfalls & Sins in Wellness Programs

The TCB Health Promotion Program Personalized for Individual Employees

Click Here

Demo This Prevention Plan

Prevention Plan™ is a groundbreaking health management program that motivates individuals to make decisions that are good for them and good for their employers’ budget.
 
The Plan identifies an individual’s current and future health risks through a detailed health risk assessment, extensive lab work and biometric measurements. Based on these findings, the Member receives a personalized Prevention Plan, along with access to numerous online tools and ongoing support and coaching from a dedicated RN Advocate.

At TCB Insurance Group we offer programs, technology, tools and multiple carriers to provide the best benefits at the best price, now and in the future for your companies health.

TCB Insurance Group, LLC 5115 Maryland Way Brentwood, TN 37027 615-557-5667 615-370-1401 (fax) E-mail: TCB@TCBinsurance.net