Secondary Health Insurance

By: David Murdock, J.R. Prewitt & Associates Life, Health and Group Benefits Consultant

Increasing healthcare costs impact both employees and employers. In fact, according to The New York Times, high-priced insurance plans are causing middle-class consumers to drop coverage altogether.

As mentioned in my previous blog, medical trends are the cause of these increasing costs. Medical trends are determined by health insurance companies monitoring the costs of visiting a physician, having lab work done and receiving other routine outpatient treatments. Price inflation, increased usage of medical care and services, leveraging effect of fixed deductibles and copays, cost shifting from the uninsured to private payers, government-mandated benefits, and technological advancements also influence medical trends.

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Linda Tilley

As J.R. Prewitt & Associates’ Manager of Commercial Lines, Marketing & Personal Lines, Linda Tilley provides leadership and problem-solving services for each department in the agency. After 27 years at J.R. Prewitt, Linda’s favorite place to be in Birmingham remains the office on Highland Avenue. She strives to always be there for her fellow employees when they need guidance. To learn more about Linda, check out this Q&A:

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iStock 966443546

In case you haven’t heard, President Donald Trump recently imposed tariffs on U.S. imports of steel and aluminum. The 25 percent tariff on steel and 10 percent tariff on aluminum went into effect on June 1, 2018. Trump’s goal with these tariffs is to level the playing field for American manufacturers. While these tariffs will ultimately benefit the American steel and aluminum industries, they may also impact other industries. USA Today highlights a few winners and losers of Trump’s tariffs here.

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