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Benefits Canada recently published an article that speaks to one fifth of employers have a formal strategy around employee financial wellness.  My first response out of the gate is my goodness at what point are employees responsible for themselves?  My next response is, would I have a happier employee if they had a financial plan and were living within…

My concern when I arrived home from touring Express Scripts is that I wouldn't be able to express how innovative the research facility is.  I was hoping that I could instill some confidence that Insurance Companies are listening to their clients.  Can the usage change overnight?  Probably not, but when Insurance Companies make the decision to change it amazes me…

There are over 18,000 medications, how can one person possibly have an understanding of all of these?  Having knowledge on how the medication works and the side effects and what is required to compensate for the side effects.  This video is Doc Mike Evans, and he uses a whiteboard video.  This video is on "Less Means More in Medication"…

When we entered into Express Scripts Facility, they called it a research facility. The question I quietly asked myself, what the heck are they researching??? Don’t you just pay the claim or issue the drugs that are prescribed. Was I in for a surprise!!! They just gave me the tip of the iceberg and I…

Every renewal I go through with my clients they all say the same thing, "We can't continue to afford these increases."  The perception I feel my clients are left with is that the insurance companies aren't listening to their cries.  I was fortunate enough to be invited to Empire Life's Advisory Council in St. Louis, and I am…

I had another post ready to go this morning, talking about my trip to St. Louis with Empire Life and all the advances they are making with Express Scripts and Prescription Drugs.  I will have that ready for next week. In light of what happened last night in Vegas and the fact that my Mom…

Anyone who has been following my Blog, is well aware that I have had a very large out of country coverage claim this spring.  My friend has been home for sometime now and has had 11 surgeries to date and is in a rehabilitation program.  His surgeries aren't even close to being done, but at least…

I would like to start this post by saying how humbled I am by the number of people who have come up to me recently and mentioned that they follow me and how much they enjoy my blogs.  In return, I would like to thank you for giving me one of your most precious commodities,…

The Genetic Non-Discrimination Act (GNDA) — received Royal Assent on May 4, 2017. It prevents employers, insurance companies and anyone else providing goods and services via a contract from asking people to undergo genetic testing or to disclose genetic test results. Why would this affect Insurance Rates?  Insurance companies fear that a potentially high-risk client…