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On January 10th, the Biden Administration issued guidance that will require group health plans to pay for at-home over the counter (OTC) COVID-19 tests approved by the U.S. Food and…
It’s no secret that many companies are looking to lower their healthcare costs. According to Healthcare Finance, employers are expecting a 5.2% increase in healthcare and pharmacy costs in 2022,…
Let’s talk HDHPs –– High deductible health plans –– a type of health insurance plan introduced as a potential solution to catastrophic health events or illnesses. These lower premium and…
In accordance with President Biden’s Competition Executive Order, the Centers for Medicare and Medicaid Services (CMS) has proposed actions to ensure Americans have access to healthcare price transparency, a step…
By this point, we’re all aware that the No Surprises Act goes into effect on January 1, 2022. But you may not be fully aware of what the No Surprises…
The COVID-19 pandemic brought with it a healthcare revolution. It taught the world to leverage access to technology to implement practices and applications to bring healthcare to the population amidst…
Congratulations! You’re almost to the end of the wild season that is Open Enrollment. And, as we look forward to the end of Open Enrollment, there’s one question you need…
With more than one-third of U.S. adults now fully vaccinated against COVID-19, there's brighter days on the horizon. Over a year ago, coronavirus upended the entire health care landscape — and the…
Demand for fertility benefits is on the rise. And it’s not surprising why — millennials now make up the majority of the workforce, and they’re starting families. They’re also more willing to…
Totem kicked off the summer at the Georgia Association of School Personnel Administrators (GASPA) Spring Conference - an annual gathering where professionals come together to share best practice in human…
We are proud to share that Totem has been named one of Inc. Magazine’s Best Places to Work for 2021. We were selected from thousands of submissions and honored for creating…
On December 21, 2020, Congress passed a new bill, the Consolidated Appropriations Act of 2021, consists of several bills combined into one piece of legislation. Legislators have been working for…
Shortly after the pandemic, the world turned upside down, and the U.S. was on the brink of another health crisis. From isolation to suicide, the fear of the unknown for Americans…
According to the CDC, by June 2020, 41% of the U.S. had delayed or avoided medical care including both routine and urgent or emergent care. Delay and avoidance of medical…
The Federal government's ongoing legislation has provided timely relief for citizens and corporations facing the challenges caused by COVID-19, but there is an existing tax law that can also help…
Many employers have implemented a Centers of Excellence (COE) model in an effort to improve the quality of care for employees and reduce procedures caused by misdiagnoses and unnecessary treatment.…
Each year the cost for healthcare continues to rise exponentially for employers, with no end in sight. The U.S. still consistently leads the world in per-capita healthcare costs, and still lags shockingly…
Health costs have soared over the past 30 years. Public and private employers have paid the majority of costs. In 2018, 158 million people in the US received their health…
Fast Health: Tampered Healthcare Costs By Managing Reversing Diabetes In the U.S., obesity and diabetes have been on the rise for generations. The health complications and long-term consequences have reverberated…
A new IRS and DOL Notice entitled EBSA Disaster Relief Notice 2020-01 provides temporary relief from COBRA and health plan deadlines during the COVID-19 pandemic. What is the Outbreak Period?…
In the continued effort to reduce the developing challenges caused by the novel coronavirus, the U.S federal government enacted the Families First Coronavirus Response Act (FFCRA). The legislation has two…
If U.S. healthcare costs were the GDP of a country in 2019, it could have ranked 5th in the world, behind Germany with a GDP of $3.8 trillion and ahead…
Bill Number 1 - COVID-19 Emergency Federal and State Funding On March 6, 2020, Congress passed a supplemental funding bill in the amount of $8.3 billion. The deal includes: $3…
More than ever, it is vital for businesses to adopt innovative solutions for the evolving challenges arising from the coronavirus pandemic. Whether a business requires onsite essential employees, has furloughed…
How can you prevent the Coronavirus from infecting you? Fortify yourself now with these five steps...
Open enrollment arrived like an ambush and was gone faster than a cappuccino order. Preparing for the time sensitive event carried significant importance that ultimately impacted the well-being and quality…
What’s the secret to a fulfilled and engaged workforce in the modern age? Three words: employee benefits consulting. For today’s workforce, employee benefits are the key to remaining competitive,…
Despite significant pressure from the federal government, PBMs are winning, while employers and patients are struggling to keep up with the increasing costs. In every other industry, innovation has led…
The World Healthcare Congress in DC earlier this month was a phenomenal event, and I’ve shared a few key takeaways below. Employers are still facing significant challenges in finding their…
