August 2016

BTHR Solutions


Open Enrollment is Here: Are You Ready?

Employers Added 250,000 Jobs in July

Is Healthcare Fraud Costing Your Company?

How ACA Market Premiums Measure Up To Expectations

Starbucks Expands Healthcare Benefits For US Employees

5 Things To Do After Your Job Interview

5 Things To Do After
Your Job Interview

When your interview is over, your work isn't done! Here are some tips for how to keep a potential employer engaged after you interview:

1) Send a Thank You Note
A simple email the day after your interview can hammer home your interest in the job. This is particularly important if you know they were seeing multiple candidates the same day.

2) Follow Post-Interview Directions
You might need to take care of some documentation for your possible future employer or be instructed to take a test online. If you were told to check-in by email, only send emails.

3) Follow Up Phone Call
In today�s busy tech savvy world, most employers enjoy the speed and convenience of an email. But phone calls are a great follow up if the hiring process has moved beyond the expected time frame.

4) Prepare for a 2nd Interview
Should a second interview opportunity arise, demonstrate your deeper knowledge. Be able to answer the question, �Why do you want to work here?� with specific examples.

5) Follow Up With Your Contacts
Now is not the time to disappear while you wait for an answer. Continue networking within the company. If you were pointed to the job by a current employee or have a prominent contact at the company, inform him/her you have completed the interview.

See the rest of the list at

Featured Job

Benefits & HRIS Analyst
Mansfield, MA


At least 4 years experience administering both Health & Welfare benefit programs (COBRA, ACA, FMLA) and 401(k) provisions

Broad working knowledge of HRIS and ATS (ADP Workforce Now preferred) processes, and workflow analysis

See the full job description

Annual Open Enrollment:
A Challenge, But Also An Opportunity
by Sam Gruenbaum, President, BTHR Solutions

While we all know that time flies, the fact that annual enrollment season is upon us again (at least for a majority of employers) is almost shocking. It seems like the world of benefits is constantly absorbing change and reacting to a variety of political, economic and environmental influences and the current atmosphere proves that on a daily basis.

Whether it is trying to stay in front of ACA compliance, helping employees work through the ups and downs of the financial markets as they plan for retirement, or simply trying to anticipate how the unpredictable political environment we live in will impact benefits and HR administration, managing benefit plans and the human resources function is never easy and this year is certainly no exception.

But maybe we all need to view the annual enrollment process as more of an opportunity instead of a burden. Yes, it�s a lot of work, but it also offers the chance to review plans and ensure compatibility with your objectives using the newest plan designs and mechanisms. It also gives you the opportunity to reinforce the great value of the programs you provide.


Employers Added 255,000 jobs in July
Job creation crushed estimates in July as the economy added 255,000 positions, according to the Labor Department. The headline unemployment rate held steady at 4.9 percent, and hourly wages also moved higher, increasing by 8 cents or an annualized pace of 2.6 percent.

Is Healthcare Fraud Costing Your Company?
Approximately $700 billion is lost annually due to fraud, waste and abuse in the US healthcare system, a third of total healthcare spending. To put this into perspective, medical fraud dwarfs the largest bank robberies in history combined. Much of this cost is ultimately borne by patients, their families and companies paying for corporate health programs as such inefficiencies increase healthcare and insurance costs.

How ACA Market Premiums Measure Up To Expectations
In late 2009, as the debate over the ACA began before the U.S. Senate, the Congressional Budget Office (CBO) projected that the average nationwide premium for a benchmark plan would be about $5,200 for single coverage in 2016. The actual average benchmark premium in the ACA marketplaces in 2016 is $4,583, or 12% below what CBO originally projected. Even if benchmark premiums rise by 9% in 2017, as expected, they would on average remain below what CBO estimated in its projections of the cost of expanding coverage under the ACA.

Starbucks Expands Healthcare Benefits for US Employees
Starbucks announced sweeping changes to its benefits program that will allow U.S. employees to choose from up to six different medical insurance providers instead of one. The changes come a week after the coffee company announced several workplace upgrades including higher wages for store workers. They're unusual because they come at a time when many companies have cut back on health care to try to control costs.


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