{"id":9496,"date":"2020-05-27T13:48:01","date_gmt":"2020-05-27T17:48:01","guid":{"rendered":"https:\/\/roundstoneinsurance.com\/?p=9496"},"modified":"2023-01-03T11:18:01","modified_gmt":"2023-01-03T16:18:01","slug":"whats-the-new-normal","status":"publish","type":"post","link":"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/whats-the-new-normal\/","title":{"rendered":"What\u2019s the New Normal?"},"content":{"rendered":"\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><h2 style=\"font-size: 16px;\"><strong>For the past several weeks, we\u2019ve all been collectively holding our breath as we followed state and federal guidelines on how to help flatten the curve of COVID-19.<\/strong><\/h2><\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><p>Businesses and individuals banded together, weathering temporary shut-downs, helping their communities, and changing the way day-to-day life operates for the greater good.<\/p><\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>That internal, ambiguous countdown was always ticking down in the back of our minds, though. How long until we can get back to normal? The uncertainty made it difficult to be patient.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>As many businesses and workers return in the coming weeks and months, that question of normalcy is a big one. How do we work together to make sure that <a href=\"https:\/\/www.cdc.gov\/coronavirus\/2019-ncov\/community\/reopen-guidance.html\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\">all are safe<\/span><\/a>, working conditions with mitigated exposure, and business picks back up? How do we make all of those things happen, and still feel like we\u2019re returning to normal?<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>It may be that \u201cnormal\u201d is still some time away. But that doesn\u2019t mean that we can\u2019t find ways to normalize \u201cdifferent.\u201d Because things will look a little different for awhile.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Businesses now are determining their future mindset under pressure. Some businesses hope only to survive. Others are finding ways to thrive. When you and your team adjust to \u201cdifferent,\u201d normalizing <a href=\"https:\/\/www.cdc.gov\/coronavirus\/2019-ncov\/prevent-getting-sick\/prevention.html\"><span style=\"text-decoration: underline;\">new safety procedures and social distancing recommendations<\/span>,<\/a> you\u2019re in a growth mindset. You\u2019re beginning to thrive.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>You\u2019re not alone. Overwhelmingly, businesses like yours are looking for answers to the same questions. What in-person opportunities can you bring to virtual spaces? How do you make customer interaction feel more personable?<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Whether it\u2019s through videoconferencing or curbside pickup, social distancing measures or extra check-ins with your team, the level of care and attention you use now will transform your company\u2019s culture. You may find yourself pivoting how you do business, but not why. Taking care of your family, friends and colleagues along the way.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>That care doesn\u2019t need to cost more, either.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>What would it take for you to feel more agile, so that your business can achieve that growth during this difficult adjustment period?<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>When it comes to your business\u2019s spend on employee benefits, we can help shed some light. We\u2019ve had some time to review claims costs over the past 9 weeks, and folks who are self-funded are in good shape. A <a href=\"https:\/\/revcycleintelligence.com\/news\/hospital-revenue-falling-1.4b-a-day-as-patient-volume-drops\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\">recent study<\/span><\/a> by John Hopkins hospital reports that emergency and outpatient surgery costs have dropped 40% and 71%, respectively.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>If you have a self-funded benefits plan, that drop in claims amounts to savings in your pocket. A fully insured plan means you pay the same premium no matter the claims costs. We\u2019re doing more with less these days, but truthfully, a self-funded plan can help ensure you have some savings to fall back on and do more for your employees and their families. Things look different now, why should your approach to healthcare be the same?<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><a href=\"https:\/\/www.milliman.com\/en\/insight\/Estimating-the-impact-of-COVID19-on-healthcare-costs-in-2020\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\">Another study<\/span><\/a> by Milliman used extensive modeling to look into this further. Care avoidance and elimination are running 30-60%, which translates to a <a href=\"https:\/\/youtu.be\/OEwQ384IGRw\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\">reduction in cost to insurance carriers<\/span><\/a> of $75-$325 <em>billion<\/em> if things remain this way through the end of 2020. The amount of services being deferred exceeds the cost of treatment and testing for COVID-19 almost everywhere in the US.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Isn\u2019t it time your healthcare benefits took your actual claims costs into account? <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/contact-us\/\"><span style=\"text-decoration: underline;\">Contact us<\/span><\/a> to learn more about how a self-funded plan can make the difference in your business\u2019s growth as we navigate a new normal together.<\/p>\n","protected":false},"excerpt":{"rendered":"<p class=\"excerpt\">For the past several weeks, we\u2019ve all been collectively holding our breath as we followed state and federal guidelines on how to help flatten the curve of COVID-19. Businesses and individuals banded together, weathering temporary shut-downs, helping their communities, and changing the way day-to-day life operates for the greater good. That internal, ambiguous countdown was [&hellip;]<\/p>\n","protected":false},"author":16,"featured_media":9498,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1827,1830],"tags":[],"class_list":["post-9496","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-employers","category-long-term-strategy"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.8 (Yoast SEO v25.6) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What\u2019s the New Normal? COVID-19 | Roundstone Insurance<\/title>\n<meta name=\"description\" content=\"Is it time your health benefits took your actual claims costs into account? 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