by Lauren Claverie | Oct 8, 2026 | Benefits Consulting, Totem
A stop loss Specific Deductible is the dollar amount your Plan pays on one person’s claims in a contract year before the stop loss carrier reimburses you. It’s the single number that sets how much claim volatility your budget absorbs, and it’s...
by geoff | Aug 31, 2026 | Benefits Consulting, Totem
A self-funded health Plan means your company pays employee medical claims from its own funds instead of paying fixed premiums to a carrier. You take on the claims risk, you buy stop loss insurance to cap it, and you keep what you don’t spend. The trade is...
by Naomi Tan | Dec 18, 2025 | Benefits Consulting, Employee Engagement & Communication
Why Every Employer Should Verify Who Is Truly Covered on the Health Plan Healthcare costs continue to rise, putting increased pressure on employers to manage spend without compromising the quality of their benefits. At Totem, we help organizations take a smarter, more...
by geoff | Jul 22, 2025 | Benefits Consulting, Cost Containment, Health Spend Reduction
Blueprint for Optimizing Employee Benefits for Manufacturing In Georgia’s manufacturing sector, margins are tight, skilled labor is scarce, and operational disruptions are expensive. Yet one of the most overlooked levers for mitigating these pressures is also one of...
by Team Totem | Jun 26, 2024 | Benefits Consulting
Executives and HR Teams constantly seek innovative ways to manage costs while maintaining quality employee benefits coverage. One tactic many businesses are choosing to utilize is a Health Insurance Captive. At its core, a Health Insurance Captive operates as a...
by Team Totem | Jun 12, 2024 | Benefits Consulting
“Getting a good night’s sleep” is a common phrase we’ve all used. But what if getting better sleep is more than an overused phrase we say when we’ve had an incredibly long day or are dealing with exhausted children? Improved sleep is...
