FOR YOUR BENEFIT.......
The Sullivan Benefits Monthly Newsletter 
October 1, 2010




Health Care Cost Control /
What's Next?
 
By Gary R. Goodhile, CLU
Co-Founder and Principal, Sullivan Benefits
 
The answer has been right in front of us for years.  Look no further than what has gone on in the area of "Pharmacy Benefit Management".  Benefits are tiered based upon cost and the quality of outcomes; the most expensive medications require a significantly higher member cost share, they may require prior authorization, additional steps to garner approval or they are simply not covered at all.  Pharmacy benefits today are far from "Open Access".  Sure you can go to almost any pharmacy, but what will be available to you, how many steps you need to go thru to garner access and at what cost, is very different today than it was only a few short years ago.  The good news is that by restricting access, pharmacy trends have dropped significantly in the past few years and amazingly enough we have all survived.  Pharmacy management is evolving and more restrictions on "Access" will be coming. READ MORE.  

 
Ergonomic Health
 
 By Nan Maley, R.N.
Corporate Wellness Director, Sullivan Benefits 
 
Setting the stage for a successful Ergonomic Health program
 
Ergonomics is the science of fitting workplace conditions and job demands to the capabilities of the working population.  Effective and successful "fits" assure high productivity, avoidance of illness and injury risks, and increased satisfaction among the workforce. Although the scope of ergonomics is much broader, the term here refers to assessing those work-related factors that may pose a risk of musculoskeletal disorders and recommendations to alleviate them. Common examples of ergonomic risk factors are found in jobs requiring repetitive, forceful, or prolonged exertions of the hands; frequent or heavy lifting, pushing, pulling, or carrying of heavy objects; and prolonged awkward postures.  Vibration and cold may add risk to these work conditions. Jobs or working conditions presenting multiple risk factors will have a higher probability of causing a musculoskeletal problem.  The level of risk depends on the intensity, frequency, and duration of the exposure to these conditions and the individuals' capacity to meet the force of other job demands that might be involved. READ MORE.
Sullivan Benefits is your one-stop resource for all your employee benefits and insurance needs:

Cost saving approaches
Employee wellness programs
Needham Heights Office:
72 River Park · Needham Heights, MA 02494-2631
Phone: 781.449.8323 · Fax: 781.449.5419

Worcester Office:
One Chestnut Place · Worcester, MA 01608-2804
Phone: 508.471.9017 · Fax: 508.797.3689
Sullivan Benefits - Innovative Solutions. Trusted Advice.
    
 
 
THE COMPLIANCE
CORNER...........

 
 
Medicare Part D Creditable Coverage Notice Deadline is Approaching!  
Annual Medicare Part D notices of creditable, or non-creditable, coverage must be provided to Medicare eligible individuals prior to November 15th!
 
 
 
 
 
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Contact us for additional ideas, resources, or to help you implement Employee Wellness Programs that fit your employees' needs.