"With thorough research and, potentially, guidance from independent consultants, companies could secure better premiums, improve outcomes, reduce denials, and enhance employee satisfaction. However, many organizations rely only on advisors who focus narrowly on premiums ... This is particularly problematic when using commission-based advisors whose incentives align with insurers, not the employers or employees. For the advisor/consultant, higher premiums yield higher commissions, bonuses, trips and other rewards."  MORE >>