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.
Reading Your Self-Funded Plan Reporting: What Good Looks Like
Good self-funded Plan reporting answers six questions every month: what you paid, what you owe but haven't paid, how that compares to budget, which...
Teacher Recruiting and Retention: How Georgia Districts Compete on Benefits
Georgia districts rarely win teachers on salary. They win on what surrounds the paycheck. Teacher recruiting and retention benefits, meaning...
Your PBM Contract Predates the New Self-Funded Transparency Rules
PBM transparency is no longer something a self-funded employer has to win at the negotiating table. Federal law now requires pharmacy benefit...
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...
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