Throughout the years, Cypress has worked through many issues with our clients. One that seems to continually come up is to determine how employers can keep employees eligible for the health plan during leaves, layoffs, etc.  While many employers feel sympathetic and want to allow an employee/dependent coverage, if the person no longer meets the eligibility definition, the employer is at financial risk since carriers will typically not cover claims for an ineligible member. Therefore, it is imperative to follow the eligibility provisions laid out in your summary plan description (SPD). Learn more about SPD provisions, options, etc. <back to top>

 

With the January renewal season not far behind us, every once in a while we hear the question, "Why did my stop-loss premium go up more than medical trend?"  While the answer includes many different factors, one key component of a stop-loss renewal is leveraged trend.  Learn more about how it works and how it can help you make specific stop-loss level decisions. <back to top>