Totem Blogs
Whether you’re a public school district or a private sector client, we use data-driven solutions and personalized service to help you offer employees better benefits for your people and your bottom line.
District Open Enrollment Execution: Running a Smooth Enrollment
District open enrollment execution is the work that happens while the window is open: staffing the phones, reaching people who aren't at a desk, and...
Confused by Your Stop Loss Renewal? Start With These Two Terms
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...
SHBP Enrollment Support: What Georgia Districts Can Add on Top of the State Plan
SHBP Enrollment Support: What Georgia Districts Can Add on Top of the State Plan SHBP enrollment support is the service layer a district builds...
Open Enrollment Starts Now: A Pre-Season Checklist for HR and Finance
Open Enrollment Starts Now: A Pre-Season Checklist for HR and Finance An open enrollment preparation checklist covers the decisions, numbers,...
Your OE Emails Aren’t Reaching Half Your Staff. Here’s What Does.
District Open Enrollment Communication: Reaching Every Employee by Phone, Email, Text, and Onsite School district open enrollment communication...
Healthcare Cost Containment Strategies Most Employers Overlook
Healthcare Cost Containment Strategies Most Employers Overlook Most healthcare cost containment strategies aim at the premium equivalent, the...
Building an Annual Benefits Education and Outreach Calendar for Your District
Building an Annual Benefits Education and Outreach Calendar for Your District A district benefits education outreach calendar maps who you'll reach,...
Here’s Why 67% of Covered Workers Are in a Self-Funded Health Plan
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...
Why Personalized, Unscripted Service Outperforms Scripted Models
The Human Advantage in Employee Benefits Support When employees need help with their benefits, it’s rarely a simple question — it’s often a critical...
Results Totem delivers
10.5%
decrease in turnover
8-29%
savings in
medical spend
12.5%
increase in perception of benefits
700%
increase in employee engagement