In addition to the day to day customer service we provide all our clients, Cecil Jenkins Insurance Agency, Inc. also continues to be proactive on issues of regulatory and legislative changes, the construction of disease management programs and monitoring the performance of insurance carriers.
We keep our clients informed of regulatory and legislative changes that affect employee benefit plans. As a member of the National Association of Health Underwriters, We are frequently informed of issues that affect the insurance industry. One such issue is personal, privileged and medical information collection and disclosure practices. Carriers are now requiring disclosure forms to be completed by enrollees in order for brokers to be able to inquire on that enrollee’s behalf. Other recent topics that have been tackled are mental health coverage and changes with the way prescription drug companies operate so t hat drug costs can be kept down.
A major concern of employers today is health care expenditures and work loss days attributed to the presence of a medical condition. Research has estimated that effects of illness on work impairment suggest that these indirect costs are enormous. One way to combat this problem is the construction of Disease Management Programs that educate employees with chronic conditions such as diabetes, asthma, high blood pressure, mood and panic disorders, just to name a few. This education helps guide the employees to effective treatment and preventive regimens, thus reducing loss of productivity.
Cecil Jenkins Insurance Agency, Inc. is specifically interested in the performance of insurance carriers, TPA’s and other insurance vendors, as their performance directly affects the client and their employees. It is important for an employer to be kept aware of any and all problems they are experiencing with their health care coverage. In an effort to keep the client informed, we suggest a twice yearly review of claims issues we have encountered through direct contact with the employees, as well as the claims experience of the group as a whole. We should note that these reviews are done without breaching confidentiality. By review in these areas, we can advise changes that would assist in holding cost down, or preparing for benefit changes at renewal.