Local Innovation in Health Insurance Brings Affordability and Unique Plan Design

Innovative insurance plan exclusive to Fond du Lac, Green Lake and Dodge counties incorporates competitive rates and unique plan design.

MENASHA, WI (June 14, 2017) – A recent partnership between Network Health, Hierl Insurance and Agnesian HealthCare is bringing a new health insurance option to employer groups in Fond du Lac, Green Lake and Dodge counties. This new insurance plan, Assure Elite, allows businesses with two to 100 enrolled employees to offer quality health insurance coverage to their employees at a competitive, business-friendly rate.

Assure Elite is a hybrid level-funded health insurance plan. Level-funding is a cost-effective health plan funding solution that allows companies to benefit from the predictable, fixed monthly rates of a fully insured plan, while only paying for health care that employees receive. Assure Elite eliminates some of the cost concerns usually associated with self-funded plans, making them available to smaller, local businesses. The new plan offers an opportunity for an extended two-year (24 month) rate.

“Network Health is based right here in Wisconsin -  we’re local and we’ve been the go-to community health plan for 35 years,” said Coreen Dicus-Johnson, Network Health president and CEO. “This partnership with Hierl Insurance and Agnesian HealthCare provides affordable, high quality, local coverage to our communities, and it’s perfectly aligned with our mission to enhance the life, health and wellness of the communities we serve."

Headquartered in the Fox Valley, Network Health covers more than 129,000 people throughout Wisconsin on its commercial, Medicare Advantage and individual health insurance plans. Network Health currently insures nearly 14,000 people throughout Fond du Lac, Green Lake and Dodge counties.

Employers in Fond du Lac, Green Lake and Dodge counties with two to 100 enrolled employees may contact Hierl Insurance to purchase Assure Elite plans from Network Health. Coverage under Assure Elite plans can begin as soon as August 1. Please contact Hierl Insurance at 920-921-5921 or hierlquotes@hierl.com for more information or to begin your quote. Network Health and Hierl Insurance also have plan options available for larger employer groups.

“Hierl Insurance has been offering high value employee benefit solutions to the greater Fond du Lac area for close to 100 years,” said Mike Hierl, president of Hierl Insurance. “We’ve been around for 100 years because we believe in taking proactive measures to stay ahead of market trends, and offer our clients dynamic, cost effective solutions to the challenges presented by the ever changing health care and benefit environment. Assure Elite is another step forward in that direction – a partnership with Agnesian HealthCare and Network Health that allows us to provide employers with a solution for quality, cost-effective care close to home. We’re excited to be able to bring this new product to market.”

Agnesian’s Know & Go program will serve as the wellness benefit for Assure Elite plans. The program provides tools, education and incentives to help plan participants live healthier.

“Agnesian HealthCare is excited to partner with Network Health and Hierl Insurance to offer an employer-sponsored health plan that provides cost certainty and improves the well-being of the citizens in the communities we serve,” according to Steve Little, Agnesian HealthCare president and chief executive officer.

“Network Health is always looking for innovative ways to serve our community and provide exceptional service to our members,” said Network Health’s Coreen Dicus-Johnson. “Health insurance affordability is a nationwide problem. Assure Elite is the local solution.”

To Download our Group Health Plan Form Click Here.

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About Network Health
About Network Health Founded in 1982, Network Health offers customized commercial and Medicare health insurance services to employers, individuals and families in more than 23 counties throughout Wisconsin. Through its strong reputation for quality health care coverage and superior customer service, Network Health has grown to serve more than 129,000 members and 32,000 wellness participants. Learn more at networkhealth.com. Visit our blog at copilotwi.com.

About Hierl Insurance Inc.
A third-generation family owned business, Hierl’s goal is for you to “Expect More and Demand Better.” Since 1919, Hierl has earned the trust of Wisconsin employers by using insight and innovative technology to create unique strategies that protect business owners, their employees and their budgets. Hierl’s mission is to provide clients with the wisdom and tools necessary to build a more engaged, productive and loyal workforce. With locations in Fond du Lac and Appleton, Hierl’s expertise in employee benefits, commercial insurance, human resources and wellness creates a great business team. Learn more at hierl.com.

About Agnesian HealthCare
For more than 120 years, Agnesian HealthCare has been a cornerstone within the Fond du Lac region, and it continues its mission to offer high quality services with compassionate care. A total of 10 ministries offer a wide array of quality health and wellness services for individuals and families, including Agnesian Pharmacy/Prescription Centers and Agnesian Health Shoppe, Christian Home & Rehabilitation Center, Consultants Laboratory, Fond du Lac Regional Clinic, Ripon Medical Center, St. Agnes Hospital, St. Francis Home, Villa Loretto & Villa Rosa, and Waupun Memorial Hospital.

With hospitals in Fond du Lac, Ripon and Waupun, and 18 Fond du Lac Regional Clinic offices, the care of more than 100 primary and specialty care physicians is available. A staff of more than 3,500 associates and physicians are the backbone of Agnesian HealthCare, which is sponsored by the Congregation of Sisters of St. Agnes. To learn more, visit agnesian.com.


Protect Yourself From Cyber Attacks

“My advice is to do all you can from a risk management standpoint but you also need insurance because you never know what can happen.” – Cathleen Christensen, Vice President of Property and Casualty

VP, Property & Casualty

In today’s world, a day does not pass without a large company being featured on the news because they are suffering from a data breach or hacking incident that has threatened personal information.

Cyber security is a concept that has become a high priority in the past five years. Since this issue is fairly new, demand for cyber insurance is emerging, since most cyber related claims are currently not covered under a standard insurance program. The questions that arise the most regarding cyber security and liability are about understanding the level of exposure a company’s data faces and knowing what cyber coverage encompasses.

Large companies are not the only ones at risk, it is often small businesses that are most vulnerable simply because they are not prepared. Most small (under 250 employees) businesses do not have the IT staff necessary to help protect a business. Even manufacturing companies are at risk because while credit card information is a large component, it is not the only type of attack. Can you afford the risk of not protecting your employee, client and company data?

With 10+ years of experience addressing cyber risks, Hierl’s process of approaching cyber security begins with an assessment of a client’s risk and exposure. This involves knowing what data a client has, who has access to it, how it’s stored and how they are backing it up. Hierl can expertly evaluate the coverage that is necessary to keep an organization secure.

Because it is an emerging coverage, cyber insurance plans are not standard. Hierl advises a three-fold type of coverage including:

  1. Business coverage for customers and employees
  2. Protection for your company and the data it houses
  3. PR assistance if a security breach occurs

“Many organizations that have suffered cyber-crime are sophisticated, big businesses. If they can’t stop these attacks from happening, most other businesses can’t either.”

The best policies offer assistance to help you to work through things if something was to ever happen, as well as forensic and technical assistance to determine how the breach occurred.

If it is determined quickly that a breach has happened and a good backup exists a company can recover quickly and the attack is much less damaging. However, when a company’s data gets out in the wild is when attacks become most expensive.

The 2016 Ponemon Institute Cost of Data Breach study reported that the average cost of a lost record rose from $154 in 2015 to $158 in 2016. Even if, you only have 20 employees now and that doesn’t seem all that bad…you need to think about how many employee records do you have from the past 10 years? Cyber-attacks don’t just affect current records nor do they only target employee data but client and company data too. This type of insurance is becoming a must have coverage for businesses because of how sophisticated these attacks have become.

Three reasons to explore cyber coverage for your business:

  1. There is a higher incidence of cyber crime
  2. The longer it takes to detect and contain a data breach, the costlier it becomes
  3. Effects of a cyber-attack extend beyond monetary and data losses to losing business and customers

Download the full article.


Cold outside? Janet has you covered!

 

Our September Dish is brought to you by our very own Janet Bender

Janet's warm, welcoming attitude will be there to greet you when you call. She provides specialized service to employers throughout the quoting and application process of their employee benefits coverage as well as individuals with inquiries about Medicare products and options. Experience her reliable, pleasant client service with each call you make.

When it comes to eating out, Janet enjoys visiting Gino's Italian Restaurant in Fond du Lac. "The service is excellent, and I love the atmosphere. My favorite thing to order is their Broiled Haddock. It is the best I have ever had. I also like their bread sticks." Need directions?

Eating in? Janet has a lovely Crockpot Beef Stew recipe that's perfect for those cold, snowy, Sunday afternoons. She pairs her stew with a loaf of hot homemade bread.


Easy Crockpot Beef Stew

Here's what you need:

  • 1 pound beef stew meat, cut in cubes
  • 1 pound baby carrots
  • 4-5 medium potatoes
  • 1 medium onion
  • 2 packages McCormick Brown Gravy
  • 2 packages McCormick Beef Stew Seasoning

What to do:

  1. Peel and chop potatoes and onion.
  2. Place meat and vegetables in crock pot.
  3. Cover with water and stir in seasoning and gravy mix.
  4. Cook covered on high heat setting for 4-6 hours, or on low for 8-12.

Enjoy!