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06/14/11

  11:55:04 am, by MedBen5   , 198 words,  
Categories: News, Wellness

Good Sleep Habits Improves Quality Of Life, Reduces Depression

Medical News Today reports that getting six to nine hours of sleep every night positively influences people’s moods and how they judge their quality of life, according to a new study. Getting too little sleep can have a negative effect, the researchers found – but somewhat surprisingly, so can getting too much.

Study participants who regularly slept “normal” durations of six to nine hours rated their quality of life high and depression severity low, compated to short or long sleepers. Noteworthy was that, among people who reported having perfect health regardless of sleep habits, those who slept normal hours had significantly lower scores for depression severity than short or long sleepers.

On this blog, we’ve already noted several studies that demonstrate the importance of sleep – and realize that, in doing so, we run the risk of sounding like a broken record (or corrupted MP3 file, for you younger audiophiles). But it bears repeating – good sleep habits form the foundation of personal wellness and everything that derives from it. Diet and exercise regimens, stamina, mood, work patterns, leisure activities, appearance, self-image – all these and more are affected by how many hours of rest we allow ourselves.

06/13/11

  05:04:04 pm, by MedBen5   , 253 words,  
Categories: News, Health Plan Management

HHS Waivers Raise Questions About Authority, Favoritism

A recent article in The Daily Caller claims that the Department of Health and Human Services lacks the authority to issue waivers from annual limit requirements, a provision of the Affordable Care Act (ACA). Rather, the HHS gave itself the power last year by broadly interpreting various parts of the law.

Since last September, the HHS has granted waivers to nearly 1,400 companies and entities temporarily excluding them from meeting mandated coverage limits. In doing so, it has “exceeded its statutory authority,” said Heritage Foundation health policy expert Edmund Haislmaier.

“The statute does not explicitly grant HHS authority to waive the application of this provision,” Haislmaier argued in testimony before the House Oversight Committee’s subcommittee on Health Care, “In contrast, I count twenty-one other sections of [the ACA] in which Congress did grant HHS explicit, new waiver authority with respect to specific provisions. Thus, it is reasonable to presume that if Congress had intended the department to institute a waiver process as part of its implementation of this particular provision, Congress would have said so in the statute.”

The Daily Caller also notes that many of the waivers give the appearance of political favoriticism. In a related Associated Press article, Steve Larsen, director of the HHS’s Center for Consumer Information & Insurance Oversight, said, “There is no role that politics plays in any way, shape or form in the processing of the application,” said. Haislmaier gave the HHS the benefit of the doubt on this matter, chalking it up to questionable policy decisions.

  03:27:36 pm, by MedBen5   , 175 words,  
Categories: News, Wellness

Presenteeism Drains Workplace Productivity, Study Says

Pushing employees to come into the offce when they’re under the weather may offer some immediate benefits, but often proves costly in the long run – so finds a new Victorian University study.

Medical Xpress reports that “presenteeism” – pressure to work through periods of short-term sickness – can ultimately result in additional illnesses, including pain, depression, and heart problems. Plus exhaustion, which can lead to more presenteeism.

“Presenteeism should be taken seriously if we are concerned with occupational health or workplace productivity,” said Professor Kevin Dew, from Victoria’s School of Social and Cultural Studies. He added that such factors as a lack of back-up workers, limited sick leave entitlements, high job demands and fear of dismissal foster presenteeism.

Permitting employees sufficient time to recover from an illness is critical to a healthy and effective working environment. “Managers and occupational physicians need to be alert to the findings that even though presenteeism may have some positive effects in the short term, it is likely to be negative in the long term,” Professor Dew said.

06/10/11

  04:52:49 pm, by MedBen5   , 311 words,  
Categories: News, Health Plan Management

Appeals Court Ponders Constitutionality Of Individual Mandate

Earlier this week, Atlanta’s 11th Circuit Court of Appeals heard arguments on the constitutionality of the individual mandate provision of the Affordable Care Act. The Obama administration is appealing the January ruling of Federal District Judge Roger Vinson, who declared the entire law void.

According to the Los Angeles Times, the three-judge 11th Circuit is considered among the more conservative of the federal appellate courts. As such, it stands as the most probable to strike down the requirement that most Americans buy health insurance by 2014 – or like Vinson, the entire health care reform law. And some of the justices’ comments at the hearings would make one think they’re leaning in that very direction:

  • Chief Judge Joel Dubina: “I can’t find any case like this…. If we uphold this, are there any limits [on the power of the federal government?]”
  • Judge Stanley Marcus: “I can’t find any case [where the courts upheld] telling a private person they are compelled to purchase a product in the open market… Is there anything that suggests Congress can do this?”

However, The Wall Street Journal reports that all is not gloom and goom for reform supporters. The third justice, Judge Frank Hull, disputed the plantiffs’ contention that the case came down to the question on whether failing to carry health insurance is “activity” or “inactivity". (You can read more about the importance of this distinction on this earlier MedBen Blog post.) The judges also quizzed both plantiffs and defendants as to if the individual mandate could be split from the rest of the ACA without the rest of the law falling. The administration contended it could, while the plantiffs argued otherwise.

The mandate challenge was brought by 26 governors and attorneys general, the majority of them Republicans. Should the Circuit Court uphold the earlier finding, it would likely end up on the Supreme Court docket in 2012.

  01:02:46 pm, by MedBen5   , 180 words,  
Categories: Wellness

Knowing Your Eating Habits Key To Weight Loss

You wanna get serious – we’re talking real serious, here – about taking off weight and keeping it off? You need to closely examine your eating habits. The U.S. Centers for Disease Control and Prevention offers these suggestions (via HealthDay):

  • Keep a diary of all foods you eat, when you ate them, how you were feeling, and what you were doing when you ate. Review the diary after a few days and look for patterns in your habits.
  • Take note of factors such as how quickly you ate, how much you ate, any meals you skipped, when you ate dessert, and when you ate despite not being hungry.
  • Think about why you have those eating habits, and choose those that you’d like to change.
  • Use your diary to figure out what causes you to eat when you aren’t hungry (factors such as stress, while watching TV or being bored). Figure out of how to avoid eating in response to those triggers.
  • Be consistent with your new eating habits, and realize that it may take time for them to stick.
  12:53:34 pm, by MedBen5   , 176 words,  
Categories: News, Health Plan Management

House GOP Introduces Bill To Repeal Tanning Tax

Well, we now have a pretty good idea of how the “Jersey Shore” cast will vote in the next election: The Hill’s Healthcare Blog reports that 24 House Republicans have co-sponsored a bill that would repeal a 10% tax on tanning-bed services, a provision of the Affordable Care Act.

In a statement, co-sponsor Rep. Michael Grimm (R-NY) said the tanning tax is anything but frivolous: “American small-business owners, the drivers of our economy, don’t think it’s a laughing matter… This unfair punishment of small businesses must be repealed.”

Dan Humiston, president of the Indoor Tanning Association, estimated that the tax could negatively impact as many as 18,000 tanning businesses across the country, while taking money out of the pockets of less affluent customers. He added that 3,100 businesses have closed since the tax was put into place last July.

The tax, which was added to the ACA in part due to concerns that indoor tanning increases skin cancer risk, is expected to raise $2.7 billion over 10 years. The House bill doesn’t offer a way to offset the potential loss.

06/09/11

  05:52:52 pm, by MedBen5   , 281 words,  
Categories: News, Wellness

Primary Care Access Linked To Higher Life Expectancy, Reduced Disease

A recent study suggests that regular checkups from a primary care doctor can positively affect life expectancy and disease prevention – and underscores the importance of wellness. Reuters reports that the study was unique in that it looked at the volume of primary care delivered to patients, in addition to how many family doctors and general internists were in a particular area.

The study examined Medicare data of over five million seniors, linking death rates, hospitalizations and Medicare spending to primary care physicians – not just standard headcounts of a given region, but the number of doctors who were actually practicing primary care. The researchers found that areas in the top one-fifth of primary care had 5.19 deaths per 100 Medicare beneficiaries annually compared to 5.49 per hundred in the bottom one-fifth. For preventable hospitalizations due to chronic conditions like heart disease and diabetes, death rates were 73 per 1,000 beneficiaries in the highest primary-care areas and 79 per 1,000 in the lowest.

The researchers estimated that if the highest level of primary care were available throughout the U.S., it could mean about 50,000 fewer deaths and 436,000 fewer hospitalizations per year. They did note, however, that other factors, such as better organization and coordination of care, may also play a role in the health gap between high and low primary care areas.

MedBen Workplace Wellness emphasizes the importance of the patient-family doctor relationship. Members are encouraged to establish a “medical home”, which means developing a primary care physician relationship for every member of the family. Such measures will reduce medical costs as measured through health care utilization and claims.

For additional information about MedBen Worksite Wellness, please call Vice President of Sales and Marketing Brian Fargus at (888) 627-8683.

  11:53:12 am, by MedBen5   , 301 words,  
Categories: Health Plan Management

Realities Of Health Care Spending Offer No Simple Solutions

Health Care Spending Graph

In a recent Washington Post piece, columnist Ezra Klein makes an interesting observation about the current state of government health care spending. Referring to a spending comparison graph from a Kaiser Family Foundation brief, he notes that when health care spending is broken down into public (government) and private shares, the United States government spends more (as a percentage of gross domestic product) than the governments of Japan, Australia, Norway, the United Kingdom, Spain, Italy, Canada or Switzerland.

Klein writes: “Think about that for a minute. Canada has a single-payer health-care system. The government is the only insurer of any note. The United Kingdom has a socialized system, in which the government is not only the sole insurer of note but also employs most of the doctors and nurses and runs most of the hospitals. And yet, measured as a share of the economy, our government health-care system is the largest of the bunch.”

Klein goes on to assert than rather than truly building on spending controls that have worked here and in other countries, Republican and Democratic offer health reform solutions that come down to choosing between “a plan that has never worked or a plan that’s never been tried.”

Expounding on Klein’s column, Robert Laszewski of The Health Care Blog comments, “[t]he data would seem to indicate that even our single payer government-run American health care programs, Medicare and Medicaid, cost way more than similar health plans in these nations.” For that reason, Laszewski doesn’t see a single payer system in this country as a viable option – but he also believe the Republican’s market-based approach is flawed, as existing Medicare Part D and Medicare Advantage programs have proved ineffective in controlling cost growth. Whatever the ultimate solution is, he doubts it will be a painless one.

  10:24:57 am, by MedBen5   , 184 words,  
Categories: News, Wellness

Yo-Yo Dieting Healthier Than Obesity, Study Suggests

Losing weight on a diet only to gain it all back may be frustrating, but it beats doing nothing at all – that’s the finding of a Ohio University study.

Medical News Today reports the laboratory mice given a “yo-yo diet” – cycles of high-fat and low-fat meals, alternating every four weeks – during their average two-year lifespan lived about 25% longer and had better blood glucose levels than obese mice fed only high-fat foods. The yo-yo dieting group also live roughly as long as a control group of mice fed low-fat meals.

While keeping in mind that the study participants were, after all, rodents, the results do suggest that yo-yo dieting offer some benefits. This finding contradicts the opinion of some experts that losing and regaining weight repeatedly can be harmful to one’s health.

“If the conventional wisdom is true, it would discourage a lot of overweight people from losing weight,” said study lead author Edward List, a scientist at Ohio University’s Edison Biotechnology Institute. “The new research shows that the simple act of gaining and losing weight does not seem detrimental to lifespan.”

06/08/11

  05:18:03 pm, by MedBen5   , 221 words,  
Categories: News, Health Plan Management

More Employers Than Expected May Drop Coverage In 2014

Anywhere from one-third to one-half of employers may drop group insurance coverage when state exchanges become available in 2014, according to a McKinsey & Company survey. A Wall Street Journal op-ed says that translates to upwards of 78 million Americans who will need to seek out another source of coverage.

McKinsey surveyed 1,300 employers across industries, geographies and employer sizes. While only 30% of employers overall said they would definitely or probably drop coverage altogether, the proportion jumps to over 50% among employers with a high awareness of the Affordable Care Act. This far exceeds Congressional Budget Office estimates (made prior to passage of health care reform) that only 7% of employees would switch to government-subsidized insurance.

A MedPage Today story on the McKinsey survey notes that employers who still provide insurance may require employees to contribute more to their coverage or limit coverage to certain employees. The survey also found that more than 85% of employees say they will remain at their jobs even if their company stopped offering insurance, though they would expect a raise in pay as compensation.

Employers were apparently not put off by the prospect of paying a $2,000 per employee penalty, less than the cost of covering an employee. However, it is highly unlikely that the penalty would remain that low if more employees were forced to get coverage from the insurance exchanges.

  11:48:51 am, by MedBen5   , 180 words,  
Categories: News, Wellness

Focusing On Meal Reduces Snack Cravings Later, Study Finds

If you’re the grab-a-quick-bite-and-get-back-to-work type when it comes to lunch, you may want to pay heed to a new study. Medical Xpress reports that psychologists at the University of Birmingham have found that people who concentrate on their lunch – like, make-it-the-center-of-your-universe concentration – tend to snack less in the afternoon.

Scientist split participants into three groups – the first fully focused on their meals, the second reading newspapers, and the third performing a minor task while eating. The food-focused group were asked to pay close attention to the taste, smell and flavor of food as well as the acts of chewing and swallowing, and to eat slowly.

After lunch, participants were offered various biscuits (this being a British study and all). The food focus group ate “significantly fewer biscuits", said head researcher Dr. Suzanne Higgs. “This points to the conclusion that there is a link between what you are remembering about your lunch and your subsequent food intake and that altering your food memory by concentrating on the food you eat, you can affect your later snacking,” she added.

06/07/11

  12:52:06 pm, by MedBen5   , 238 words,  
Categories: News, Prescription, Wellness

Female Cancer Drugs Shown To Reduce Risk, Slow Progression

Two women’s cancer drugs are getting positive press around the Internet this week:

  • At a meeting of American Society of Clinical Oncology, researchers reported that women with ovarian cancer may benefit from the drug Avastin, regardless of whether they are newly diagnosed or have experienced a recurrence after initial treatment. According to The Los Angeles Times, Avastin reduced the risk of death when the cancer was caught early. For recurrent cancers the drug delayed progression, though researchers noted the improvement in survival fell short of statistical significance.

    Avastin blocks the formation of new blood vessels that supports a growing tumor, starving it of nutrients. It is also used to treat colorectal, lung, kidney and other cancers.

  • WebMD reports that women over 60 may reduce breast cancer risk through the use of the drug Aromasin, which blocks the production of estrogen that’s made outside the ovaries. Already approved by the Food and Drug Administration to reduce the risk of recurrence in some postmenopausal women, a new study (also presented at the aforementioned ASCO meeting) suggests that healthy women with a higher risk of breast cancer may also benefit from the drug.

    Researchers found that Aromasin reduced the risk of invasive breast cancer by 65% compared to a placebo. While other estrogen-lowering drugs have been approved, they carry such major side effects as strokes, blood clots, and endometrial cancers – side effects that, so far, have not been observed in Aromasin users.

  09:24:20 am, by MedBen5   , 213 words,  
Categories: News, Wellness

Lowfat Chocolate Milk Better Than Sports Drinks?

Anytime we can link the words “chocolate” and “better shape", we feel it our duty – nay, our sacred obligation – to bring it to the attention of the masses. With that in mind… Medical News Today reports that drinking lowfat chocolate milk following exercise offers benefits to seasoned and amateur athletes alike. (You’re welcome.)

Three new studies presented at the American College of Sports Medicine revealed that athletes who had a post-exercise glass of lowfat chocolate milk – with a proper mix of carbohydrates and protein – had improved training times, better body composition, and were in better shape than those who drank carbs-only sports beverages. Related studies at the University of Texas at Austin added calorie-free drinks to the compasion, and found that chocolate milk also improves performance and aids in post-workout recovery.

“We may need more research to understand the exact mechanisms, but there’s something that chocolate milk naturally has that likely gives it the post-exercise advantage,” said John L. Ivy, Ph.D, lead researcher on the University of Texas at Austin studies.

Note that while these studies focus on athletes who tend to train harder than most people, lowfat chocolate milk within 30 minutes after a workout is also beneficial for those of us whose exercise regimen is less intense.

06/06/11

  05:32:02 pm, by MedBen5   , 188 words,  
Categories: News, Health Plan Management

CDC: Many People With Vision Problems Not Seeking Eye Care

A recent Centers for Disease Control and Prevention study found that many people with vision problems don’t visit eye doctors regularly, WebMD reports.

Between 2006 and 2008, CDC surveyed 11,503 adults aged 40 and over with moderate-to-severe visual impairment, of which 39.8% said they had not scheduled an exam in the past year because of cost or lack of insurance. Almost 35% said they didn’t seek care because they didn’t think it necessary, while 4.5% said they could not get an appointment.

For employers, ensuring that their employees have affordable access to eye care is one of the best investments they can make. By removing the “lack of insurance” obstacle, participants have added incentive to schedule regular checkups. In turn, providers stand a better chance of detecting eye disease early, thus reducing the risk of major medical costs down the road.

MedBen Visionplus Group Vision Care promotes regular exams and early detection and treatment of visual impairments. We also provide the highest quality glasses and contact lenses at extremely reasonable prices. To learn more about how a vision plan can benefit your business, call MedBen Vice President of Sales and Marketing Brian Fargus at (888) 627-8683.

  12:07:27 pm, by MedBen5   , 218 words,  
Categories: News, Health Plan Management

Doctor Says Regulation Reform Is What's Really Needed

On the MedCity News website, Dr. Westby G. Fisher voices his concern regarding a recent letter to the editor of The Wall Street Journal from Nancy A. Nord, Commissioner of the Consumer Product Safety Commission.

Ms. Nord responded to a WSJ op-ed from Cass Sunstein, administrator of the Office of Information and Regulatory Affairs, who explained how government agencies are making efforts to eliminate unneeded and time-consuming regulations. Nord’s comments, in part:

“We certainly have not combed through our regulations to eliminate those that are ‘out-of-date, unnecessary, [or] excessively burdensome,’ as [Mr. Sunstein] suggests is being done across the government. Instead, we are regulating at an unprecedented pace and have pretty much abandoned any efforts to weigh societal benefits from regulations with the costs imposed on the public.”

To which Dr. Fisher adds his own professional observations:

“…[W]e’re seeing so many regulations on how we provide care foist upon us without any clear indication that patient outcomes have benefited that we have to wonder if, like the CPSC, common-sense regulation will even get a head nod as well… with more centralized control of health care, look for more and more regulations heaped on providers to control costs, safety and improve efficiencies ‘just because.’”

Dr. Fisher’s thoughts are to the point and well worth reading.

  11:21:51 am, by MedBen5   , 308 words,  
Categories: News, Wellness

CELL PHONES LINKED TO CANCER! (or not really.)

One again, red flags have been raised about that unassuming electronic device in your purse or pocket. An International Agency for Research on Cancer (IARC) statement last week that there is a “possible” link between cell phones and cancer was quickly picked up by the network morning shows and Internet news sites. Typically, the story was prefaced with such attention-grabbing questions as, “Is your cell phone a ticking time bomb?” (Okay, we made that one up, but the real teasers were only slightly less alarmist.)

Lost in all the headline-seeking clamor is that the “possible” link is, in fact, small, and there is no evidence that brain cancer rates have increased with the growth of cell phone use. Speaking to USA Today, Donald Berry of the MD Anderson Cancer Center says the cell-cancer link is “just an urban myth that keeps coming up, The [IARC] panel somehow decided that there is maybe something here that’s possibly carcinogenic, which ranks with everything else in the world.”

P.J. Skerrett, Editor of the Harvard Heart Letter, posted on the Harvard Health Blog: “The decision puts cell phones in IARC’s Group 2B category of agents that definitely or might cause cancer. Group 1 are things like asbestos, cigarette smoke, and ultraviolet radiation. Things in Group 2B are ‘possibly carcinogenic to humans.’ Other denizens of this group include coffee, pickled vegetables, bracken ferns, and talcum powder.”

Bottom line, unless we learn otherwise down the road, you’re at a much bigger risk of texting while driving than holding a cell phone up to your ear. But if you’re still concerned, the Food and Drug Administration offers tips for limiting your exposure to radiofrequency energy from a cell phone, such as using speaker mode or a headset. (And you may want to cut back on your coffee and talc while you’re at it.)

06/03/11

  05:04:03 pm, by MedBen5   , 248 words,  
Categories: News, Wellness

A Healthy Plate Replaces The Food Pyramid

My Plate icon

To use a baseball analogy: The pyramid has struck out, so it’s time for the plate to step up to the, uh, plate.

The U.S. Department of Agriculture has released a new dietary icon… a dinner plate consisting of fruits and vegetables on one half, and grains and proteins on the other, accompanied by a cup representing a dairy serving. Americans will be encouraged to fill their own plates in a similar fashion.

First lady Michelle Obama, who unveiled the “My Plate” icon, noted that it provides an easy portion guide for busy families. “Parents don’t have the time to measure out exactly three ounces of chicken or to look up how much rice or broccoli is in a serving,” she said.

The plate replaces the pyramid, first introduced in 1992. The pyramid concept was widely criticized for being too complex, addressing exercise as well as diet. But even the meal-focused approach has already come under mild criticism. New York University nutrition professor Marion Nestle praised the plate overall, but said the protein portion of the plate is redundant (grains and dairy both contain protein) and excessive (most Americans already get too much protein to begin with). Other nutritionists fault the lack of detail and the need for three daily servings of dairy.

The Agriculture Department has created a Web site, ChooseMyPlate.gov, that offers healthy meal ideas as well as foods to avoid. Additionally, WebMD has a downloadable image of the My Plate icon with food suggestions.

  10:41:32 am, by MedBen5   , 170 words,  
Categories: News, Health Plan Management

Obama Administration Revises High-Risk Insurance Guidelines

The federal government could lower premiums on high-risk insurance plans by as much as 40%, The Los Angeles Times reports.

A provision of the Affordable Care Act designed to provide coverage to uninsured Americans with pre-existing conditions, high-risk plans have met with a tepid response due in part to high costs and rigid eligibility requirements. The Obama administration is hoping that lowering premiums and loosening restrictions will give the program a much-needed jump start.

Currently, 23 states have elected to have the federal government run their health plans. The remaining 27 states run their own plans, and can therefore adjust premiums at their discretion. In general, the state-run plans have attracted more enrollees than the federal equivalent.

The revised guidelines will no longer require applicants to provide a letter from an insurance company to prove they were denied coverage – a note from a doctor, nurse or physician’s assistant confirming a medical condition will suffice. However, applicants will still need to show that they had been without coverage for at least six months.

  10:06:50 am, by MedBen5   , 183 words,  
Categories: Wellness

Mow Like A (Safe) Pro

If you’re a own a house, chances are that you’ve already put your lawnmower to good use this spring. (If you haven’t, seriously, get at it this weekend – your yard’s gotta be looking like the Serengeti by now.) And when you’re in the thick of the season, mowing one or two times a week, it’s critical to properly care for your lawnmower – not just to keep it running smoothly, but to reduce your risk of injury.

The American Academy of Orthopaedic Surgeons offers these lawnmower safety suggestions (via HealthDay News):

  • Maintain your lawnmower and keep its blades sharp.
  • Service your mower before the first use each season.
  • Always turn off the motor when you inspect or repair your mower.
  • To remove debris from beneath the mower, use the handle of a broom or a stick. Never do this while the mower is running.
  • Keep all safety devices or shields on the mower.
  • Always turn off the mower before you walk away from it.
  • To prevent the possibility of burning your skin, never touch the engine cowling, which can become very hot.

06/02/11

  05:39:46 pm, by MedBen5   , 257 words,  
Categories: News, Health Plan Management

CDHP Study Reveals Surprising Demographic Preferences

The Employee Benefit Research Institute recently examined the characteristics of consumer-driven health plan participants compared to those with traditional health coverage. You can read the institute’s findings in the May edition of their Notes newsletter, which you can access on their website (the summary begins on Page 15).

Perhaps the most surprising piece of information in the EBRI study is that CDHPs are not popular just with the youngest members of the population, as is commonly thought. As it happens, 31% of adults ages 21-34 had traditional health care coverage in 2010, while 21% were in a high-deductible health plan and 20% had CDHP coverage. Conversely, adults between the ages of 35 and 44 chose CDHPs (36%) over traditional coverage (23%) last year. Coverage types for adults 45-54 years old was distributed fairly evenly, while the oldest demographic studied, ages 55-54, were most likely to have HDHP coverage.

Other findings summarized in the newsletter:

  • CDHP enrollees have higher income than traditional plan enrollees, but the degree to which they have higher income has been falling over the course of the survey.
  • CDHP and HDHP enrollees have consistently reported higher education levels than traditional plan enrollees.
  • CDHP enrollees have consistently reported better health status than traditional plan enrollees. They have also exhibited better health behavior than traditional plan enrollees with respect to smoking, exercise, and,recently, obesity rates.

MedBen’s flexible spending accounts, health reimbursement arrangements and other CDHP offerings provide tax-saving advantages to all participants, regardless of age or income. To learn more about them, please call Vice President of Sales and Marketing Brian Fargus at (888) 627-8683.

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