Category Archives: featured

Why Communicating Your Benefits Is More Critical Than Ever

employees sitting at table

Every year, companies invest tens or even hundreds of thousands of dollars into employee benefits. Health insurance, life and disability coverage, retirement plans, HSA contributions, and voluntary perks are core elements of a competitive compensation package. But what if your employees don’t understand the value of what they’re receiving?

The truth is—many don’t.

When Benefits Go Unseen, Value Goes Unfelt

Employees often overlook or underestimate their benefits simply because they’re not clearly communicated. The result? Your people may assume their paycheck is the whole story—and your company loses out on the credit and loyalty those benefits are supposed to drive.

HR and leadership teams work tirelessly to secure these offerings, yet without engaging communication, they may go unnoticed. That’s not just a missed opportunity—it’s a silent drain on your culture, your retention, and your ROI.

The Good News? It’s Fixable—with Just Minutes a Week

Creating value from your benefits isn’t about big budgets or massive time investments. At CorpStrat, we’ve found that even a few minutes a week spent educating your workforce can completely transform perception.

We’re helping clients do just that using:

  • Live, interactive benefits brochures
  • Custom microsites tailored to each employer
  • QR codes for instant access on mobile
  • Flipbooks that bring benefit summaries to life

These tools make a small company look like a big player. They allow employers to compete for talent, no matter their size.

Leveling the Playing Field for All Employers

Here’s the truth: employers of all sizes are in the same sandbox when it comes to benefit offerings. Whether you have 10 employees or 1,000, you can often access the same group products, the same guaranteed issue life and disability limits, and the same voluntary benefit options.

Want to attract top-tier talent? You don’t need a Fortune 500 budget—you need a clear, compelling message.

This is especially true now, as expanded access to Health Savings Accounts (HSAs) and portable voluntary benefits make robust benefit programs more accessible than ever.

Make Your Benefits Sizzle. Let Them See the Value.

At CorpStrat, we believe benefits should feel like a gift, not a mystery. We specialize in helping employers turn dry summaries into dynamic assets that employees understand, appreciate, and talk about.

Ask us how we can help you create a live, professional benefits booklet and microsite for your team.

We’ll help you tell your story—because if you don’t, someone else will.

RULA: A Game-Changer in Behavioral Health Access for Insurance Carriers and Employers

 

young man holding smartphone

In today’s fast-paced world, mental health has taken center stage—and rightly so. Yet, the process of accessing quality behavioral health services remains one of the biggest pain points for both patients and payers. Enter RULA, a next-generation behavioral health provider group that’s using technology to bridge the access and quality gap in therapy and psychiatry.

What is RULA?

RULA is an in-network behavioral health platform that enables patients to connect with licensed therapists and psychiatrists—often within 24 hours. With over 16,000 licensed providers spanning all 50 states and covering 90+ specialties, RULA has become one of the largest virtual mental health care providers in the country.

But RULA is more than just a telehealth solution. It’s a clinical engine, a scheduling platform, and a partner to health plans and employers—all rolled into one.

Integrated with Major Insurance Carriers

RULA is in-network with most major health plans, including:

  • Anthem/Carelon
  • Aetna
  • Cigna
  • UnitedHealthcare/Optum
  • Kaiser
  • Local Blue Cross Blue Shield carriers

Because RULA operates under the fee-for-service model and processes in-network claims, patients avoid the financial burden of high out-of-network costs, while carriers benefit from cost control and better outcomes.

In 2025, RULA is expanding into EAP networks, making behavioral health more accessible for employees under existing employer-sponsored plans.

Why Health Plans Promote RULA

The 2024 MHPAEA Report to Congress exposed a grim truth: up to 92% of therapists listed in health plan directories couldn’t offer an appointment within 30 days. That’s where RULA shines.

Patients can:

  • Schedule an appointment in under 3 minutes
  • See a provider as early as the next day
  • Get matched with a provider they’re satisfied with 98% of the time

Driving Outcomes, Not Just Access

Clinical results speak volumes:

  • 73% of patients experience clinically meaningful improvement within 8 weeks.
  • 93% feel better about their symptoms within 3 months.
  • 80% of patients with suicidal ideation show a reduction in risk within 8 weeks.

All providers use RULA’s proprietary EHR platform, guided by clinical management and real-time support from licensed quality coaches and peer consults. This ensures both consistency and quality of care across all 50 states.

For Employers: No Extra Contracts, No Extra Headaches.

Ask your CorpStrat account manager about RULA today.

Tariffs and Health Benefits: The Hidden Cost Employers May Not Be Able To Ignore

pharmacy

Most business owners think of tariffs as a global trade issue — something that affects importers, exporters, or the cost of raw materials. But here’s the hidden truth: tariffs may quietly drive up the cost of employer-sponsored health benefits, affecting your bottom line and your ability to attract and retain talent.

How Do Tariffs Connect to Health Insurance?

Healthcare is a complex supply chain — and many medical devices, pharmaceuticals, and even basic supplies like syringes, gloves, and diagnostic equipment are imported. When tariffs are imposed on foreign goods (especially from major suppliers like China, India, or the EU), the cost of these essentials increases. That cost wont likely stay with the manufacturers — it will most likely get passed down to hospitals, doctors, and ultimately, to payors: Medicare, Medicaid, self-funded employers and your insurance carrier. And then the patient. The possible result? Rising premiums, higher deductibles, and tighter networks.

3 Key Ways Tariffs may Impact Employer Plans

1. Increased Medical Supply Costs = Higher Claims Costs
When hospitals & Providers pay more for medical equipment and supplies, they charge more for procedures. Insurance companies and Medicare may be forced to raise premiums to cover these higher payouts.

2. Drug Prices Could Spike
Tariffs on active pharmaceutical ingredients (APIs) or finished drugs can increase the cost of common medications — affecting formularies and out-of-pocket costs for employees.

3. Pressure on Carriers = Narrower Plans
To manage rising costs, insurers may restrict provider networks or increase cost-sharing. Employers end up having to offer leaner benefits or absorbing the cost increases.

What Can Employers Do?

Plan Ahead: Budget for above-average premium increases in upcoming renewals — especially if your carrier has exposure to international supply chains.

Consider partial or Self-Funding: If your group is eligible, self-funded or shared cost plans may offer more transparency and control over rising costs.

Educate Employees: Communicate why benefits might be shifting and how employees can be smart consumers of healthcare.

Bottom Line

Tariffs aren’t just about trade wars — they could be a stealth tax on your healthcare costs. Employers who stay ahead of the curve, explore strategic funding options, and rethink plan design can weather the storm better than those who don’t.

Looking to stay proactive in your benefits strategy? Let’s talk about how to structure a health plan that works — no matter what happens with global trade.

The Impossible Is Now Possible: Up to $3M of Life Insurance in 8 Minutes? Yes, Really.

Mother, father and child portrait outdoor as family

We’ve all heard the phrase, “If it sounds too good to be true…”—but sometimes, innovation turns that on its head.

For decades, purchasing life insurance meant enduring extensive paperwork, medical exams, blood tests, and weeks—sometimes months—of waiting. It was a cumbersome and invasive process that many dreaded.

But what if we told you that someone in reasonably good health could now obtain up to $5 million of term life insurance—without labs, needles, or lengthy delays?

Introducing SwiftTerm from CorpStrat: Real Life Insurance. Real Fast.

This isn’t a gimmick from an unknown startup. This is from a A+ rated carrier, Symetra, a company with over 60 years of experience in the insurance industry. As of December 31, 2024, Symetra Financial Corporation boasts $68.4 billion in assets, serves over 2.1 million customers.

symetra logo

Here’s how SwiftTerm works:

Symetra has integrated with powerful data sources—pharmacy databases, access to health insurance claims histories, driving records, financial information, frequent buyer programs, and more—to assess risk in real time. If you’re a fit, you’ll receive an instant offer and potentially be fully issued in as little as 8 minutes. And if a deeper review is needed, coverage can still be approved within about 3 days, all without a nurse visiting your home or requiring lab work.

No labs. No needles. No hassle. Just coverage.

Seamless. Fast. Almost magical. Worst case you don’t qualify, they move you to accelerated underwriting, where a human takes over and generally clears any obstacles.

This is life insurance for the 21st century—smart, efficient, and designed for people who value their time as much as their protection.

Bottom line? The game has changed.

If you’ve been putting off getting life insurance because of the hassle, now’s the time to reconsider. You could have a policy in place before your next coffee break.

Don’t believe it? Let’s talk.

📞 Give us a call.
📩 Or shoot us a message.
🕒 8 minutes could change everything.

Protect Your Most Important Asset: Your Data

 

Person Holding Gray Twist Pen and White Printer Paper on Brown Wooden Table

In today’s digital business environment, your most valuable asset isn’t your inventory or even your people — it’s your data. From employee records to health insurance details, payroll figures to tax returns, the information your business handles is not only critical to your operations — it’s also a prime target for cyber threats and regulatory scrutiny.

As an employer, you are a data steward — and the responsibility to protect that data rests squarely on your shoulders.

What’s at risk?

  • Employee health plan details (PHI)
  • Payroll and compensation data
  • Social Security numbers
  • Financials, tax returns, and accounting records
  • HR files, onboarding docs, and termination info

This is confidential, sensitive, and regulated information — and in many cases, sharing it with vendors opens you up to liability unless proper safeguards are in place.

What is a Business Associate Agreement (BAA)?

A BAA is a legal document required under HIPAA when a Covered Entity (like your company) shares Protected Health Information (PHI) with a third party (called a Business Associate).

It outlines:

  • How that vendor can use your data
  • Security measures they must have
  • What happens in case of a breach

If your vendor handles PHI and you don’t have a BAA in place, your business could be liable for any mishandling, data breach, or HIPAA violation — even if it wasn’t your fault.

Who Needs to Sign a BAA With You?

Here’s a rule of thumb: If they touch your employees’ health or personal data — get a BAA. Start with the below common vendors.

Vendors That May Require a BAA:

 

BAA vendors

*CPA firms may not require a BAA unless they are directly handling PHI or managing plan-related details.

What You Should Be Doing as a Business Owner or HR Leader

  1. Audit Your Vendor List
    Identify every third party with access to employee data or systems storing it.
  2. Request a BAA From Each Vendor
    Ask them: “Do you handle PHI or any health plan data? Do you have a BAA template or will you sign ours?”
  3. Review Your Privacy Practices
    • Are you encrypting emails with sensitive data?
    • Who on your team has access to employee health records?
    • How are files stored and backed up?
  4. Use Secure Channels
    Avoid sending PHI or personal data through unencrypted email or shared drives without permission controls.
  5. Train Your Staff
    Make sure your HR and benefits team knows what qualifies as sensitive information and how to protect it.

Final Thought: Protect Data Like It’s Money — Because It Is

Data breaches, regulatory fines, and lost trust can cost your business far more than just a headache. Think of your data as digital currency — and make sure you’re working with partners who take that as seriously as you do.