The MJ Companies

For employers facing rising healthcare costs, the search for sustainable benefits strategies has become increasingly urgent. Organizations are looking for ways to create more predictable budgets, manage long-term healthcare spend, and continue offering benefits that support employees in a competitive workforce environment. That search has brought Individual Coverage Health R...

If your most recent stop-loss renewal felt more challenging than usual, you’re not alone.

Over the past year, I’ve had more conversations with employers about rising renewal costs, large claims, and market uncertainty than I can remember. And while it’s easy to focus on the sticker shock of a renewal increase, I think that misses the bigger story.

My vi...

Even water—one of the most essential substances on the planet—can be a pollutant, depending on where it ends up and what contaminate it may carry. As much as you want it appearing on demand in your faucets, it sure is unwelcome when it puddles in your hotel lobby carpet or drips into your storage space.

That reality is part of why everyone needs pollution coverage...

Employers are not required to offer creditable prescription drug coverage, but they are required to determine and communicate creditable (or non-creditable) status to eligible individuals. This information assists Medicare Part D eligible individuals in making informed decisions about enrolling in Medicare Part D and helps avoid late enrollment penalties.

What a person does at work each day doesn’t begin and end with them. That notion is a big part of how companies build an industry-leading safety culture—one that goes beyond compliance to a prevailing ideology of care that prioritizes doing the right thing to protect employees and everyone who depends on them.

A great example comes from a longtime client: As part ...