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Seven Things to Consider When Selecting a Vision Plan

Vision is often an overlooked benefit... ...but given the importance of an eye examination and the value of an accurate and up to date pr...

Vision is often an overlooked benefit, but given the importance of an eye examination and the value of an accurate and up to date prescription, I would recommend taking the following into account when selecting a vision plan provider:


1. Be careful of plans with conflicts of interest. What do I mean by this - simply put if your plan owns any part of the "supply" chain (frames, lenses, labs, retailers) that plan makes money on the purchases your employees make.


2. Check references - both current and old. Most important, check a recent client reference.


3. Don't just focus on what is covered under the benefit - consider the cost of lens options that are not covered. In the "old" days the most expensive part of a pair of eyeglasses was the frame - that is no longer the case. Very often the larger expense are lens options such as high end progressive lenses (i.e. free form digital lenses), AR coating, etc.


4. Consider including polycarbonate lens coverage for children under age 19. Most eye care professionals won't provide a child with eyeglasses that don't include this impact resistant lens. Premium increase for this coverage is minimal.


5. The vision "insurance" market is very competitive. Use this to your advantage and ask for the longest possible rate guarantee. 4 years is the average guarantee now.


6. Consider self-funding after the first 2 years of a new plan (even if you have a voluntary plan). Vision "insurance" has no large claim risk.


7. If your medical plan includes an eye examination, let your vision plan know and they will normally take that into account during the underwriting or renewal process.

How to choose vision insurance

ID Theft Solutions 101

Over the past few years we have spent a sizable amount of time getting to know and understand the ID Theft solution space as it pertains ...

Over the past few years we have spent a sizable amount of time getting to know and understand the ID Theft solution space as it pertains to employee benefits. The following information is helpful to consider either when selecting a vendor (as an employee benefit) or a solution as an individual.

Why ID Theft Security?

It can take up to 32 hours of hard work to fix a personal breach. Your credit will take a hard hit for years. Your children are targets as well. Your credit score is of course often used when applying for a job. Criminals continue to find new ways to breach or steal your credit. You have seen the news - seems like a new breach every day.


What can I do?

Purchase a top rated ID Theft solution that is both reactive and proactive such as LifeLock or Identity Guard. Make sure your personal devices are protected by a private VPN. Don't just shread your statements - shread everything that has your name on it (even junk mail). Never give out your social security number – EVER! Always make purchases with a credit card vs. debit card. Check your credit on a monthly basis. Delete apps you no longer use. 

About identity theft

Is it time to look in to online fitness?

Even before the current COVID pandemic, there was a move toward alternative solutions to the daily “brick and mortar” gym. The huge success of Peloton is an example of this adoption. Unfortunately, Peloton is not accessible for most Americans. 
Since the outbreak of COVID in early 2020, the interest in “online fitness” has been on a steady climb. The origination of this space was a direct-to-consumer business. That still exists of course, but now more employers are looking to provide this solution to employees as an employee benefit.

This makes total sense as we know healthy/fit employees have fewer health problems and are apt to handle stress better than their colleagues who do not participate in fitness on a regular basis.
I have found several online fitness companies that can offer low cost, high impact, and flexible offerings in a variety of different ways.
As brokers/consultants - 2021 forward is a unique opportunity for us to help our clients to move forward via technology whether it be via telehealth, online fitness, healthcare navigation, mindfulness, ID theft solutions, etc.

Over the past few years we have spent a sizable amount of time getting to know and understand the ID Theft solution space as it pertains to employee benefits. The following information is helpful to consider either when selecting a vendor (as an employee benefit) or a solution as an individual.

Why ID Theft Security?

It can take up to 32 hours of hard work to fix a personal breach. Your credit will take a hard hit for years. Your children are targets as well. Your credit score is of course often used when applying for a job. Criminals continue to find new ways to breach or steal your credit. You have seen the news - seems like a new breach every day.


What can I do?

Purchase a top rated ID Theft solution that is both reactive and proactive such as LifeLock or Identity Guard. Make sure your personal devices are protected by a private VPN. Don't just shread your statements - shread everything that has your name on it (even junk mail). Never give out your social security number – EVER! Always make purchases with a credit card vs. debit card. Check your credit on a monthly basis. Delete apps you no longer use. 

Online Fitness

Five Suggestions to Guard Against ID Theft 

We have spent a lot of time learning how to protect my clients employees from ID Theft. Here are a few tips we have learned from the professionals that you can implement yourself:



We have spent a lot of time learning how to protect my clients employees from ID Theft. Here are a few tips we have learned from the professionals that you can implement yourself:

1. Delete apps you no longer use.
2. Purchase and use personal VPN software.
3. Purchase "real" ID theft software such as LifeLock that is reactive and proactive.
4. Always use a credit card to make purchases vs. your debit card.
5. Don't just shred your statements - shred everything that has your name on it (even junk mail).

Five steps to prevent ID theft

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