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At-home COVID-19 antigen test on medical mask

The COVID-19 OTC Test Mandate and What it Means for You

| Legislation | No Comments
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…
doctor's office with laptop open

What’s the Difference? Self-Funded vs. Fully Insured Health Plans

| Benefits Consulting | No Comments
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,…
Doctor consulting patient

If It’s Broken, Fix It: Why High Deductible Health Plans Don’t Work

| Benefits Consulting | No Comments
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…
empty hospital room

Good News, Bad News: New Hospital Price Transparency Mandate; Lack of Consistency Among Network Prices 

| Legislation | No Comments
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…
Picture of happy family spending time together

What the No Surprises Act Means for Your Employees

| Legislation | No Comments
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…
physician takes virtual appointment from phone

3 Things You NEED to Know About Virtual Primary Care

| Benefits Consulting | No Comments
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…
Employees meeting in conference room

How to Hack Open Enrollment to Cultivate Year-Round Engagement

| Employee Engagement, Open Enrollment | No Comments
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…

Health care beyond the pandemic

| Benefits Consulting | One Comment
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…

5 reasons employers should offer fertility benefits

| Benefits Consulting | No Comments
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…

School Districts Need Creative Benefits Solutions

| Benefits Consulting | No Comments
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…

Totem Solutions is One of Inc. Magazine’s Best Places to Work of 2021

| Benefits Consulting, Employee Engagement | No Comments
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…

What is the No Surprises Act?

| Legislation | No Comments
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…

Covid-19 Continues to Push America into a Mental Health Crisis

| Benefits Consulting | No Comments
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…
Medical Care During COVID-19

The Importance of Continued Medical Care During COVID-19

| Benefits Consulting | No Comments
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…

Employers May Make Tax Deductible Payments to Employees for COVID-19 Expenses

| Quarterly Updates | No Comments
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…

Centers of Excellence Provide A Better Healthcare Model

| Health Spend Reduction, Medical Consulting | No Comments
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.…

Webinar: How to Make Healthcare Better for Employers

| Benefits Consulting | No Comments
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 Rosetta: Quality Healthcare Costs Less

| Health Spend Reduction, Medical Consulting | No Comments
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 Reversing Diabetes

| Health Spend Reduction, Medical Consulting | No Comments
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…

April 28, 2020 Expansion of COBRA and Health Plan Deadlines

| Benefits Consulting, Quarterly Updates | No Comments
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?…

What Employers Should Know About Paid Leave Related to COVID-19

| Quarterly Updates | No Comments
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…

Patients vs Healthcare: the System’s Misaligned Incentives

| Benefits Consulting, Medical Consulting | No Comments
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…

Summary of COVID-19 Legislative Initiatives

| Leadership, Quarterly Updates | One Comment
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…

Maintaining Business Continuity in the Midst of COVID-19

| Benefits Consulting, Leadership, Quarterly Updates | No Comments
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…

Medical Guide to Coronavirus (COVID-19)

| Medical Consulting, Quarterly Updates | No Comments
How can you prevent the Coronavirus from infecting you? Fortify yourself now with these five steps...

Open Enrollment: A Success Story for a Public School District

| Benefits Consulting, Open Enrollment | No Comments
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…

Returnships – Live, Learn, Mentor

| Employee Engagement, Leadership | No Comments
How the workplace has evolved to leverage retiree experience.

Employee Benefits Consulting: A Complete Guide to Building a Competitive Package

| Benefits Consulting, Employee Engagement, Health Spend Reduction, Medical Consulting, Pharmacy Spend Reduction | No Comments
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,…

6 Ways Your PBM is Ripping You Off (and what you can do about it)

| Medical Consulting, Pharmacy Spend Reduction | No Comments
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…

9 Takeaways from the World Healthcare Congress

| Health Spend Reduction, Medical Consulting | No Comments
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…