Blog
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Mental Health in the Workplace
Tomorrow, October 10, is World Mental Health Day. It is an important reminder that mental health is a critical component of overall well-being. According to the National Institute of Mental Health, more than 1 in 5 U.S. adults live with a mental illness. In 2025, an estimated 54.6 million adults aged 18 or older had…
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September is Life Insurance Awareness Month
September is Life Insurance Awareness Month, a time to recognize the important role life insurance can play in helping protect families financially. Life insurance is designed to provide financial support to beneficiaries after a person’s death. It can help replace lost income, pay outstanding debts, cover funeral and burial expenses, and help loved ones manage…
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2026 RiskNavigator Sponsors
Thank you to all of our sponsors for helping make the 2026 RiskNavigator Conference such a success! Learn more about each of our individual sponsors below. Prime Therapeutics To learn more about Prime Therapeutics visit www.primetherapeutics.com Evio Evio is a pharmacy solutions company founded by health plans to transform how specialty and other high-cost medications…
Podcast
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LIVE from RiskNavigator 2026
It’s our biggest event of the year, and you’re invited! After four seasons of Firm & Final, we invited guests from some of our favorite episodes to join us on-stage at this year’s RiskNavigator Conference in Chicago. And for the first time, we recorded the show live in front of a real studio audience. In…
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Top Strategies for Cost Containment
The stop loss industry is in a tricky position. Rising healthcare costs are driving loss ratios up, which is forcing stop loss carriers to raise their rates. In turn, higher rates make healthcare less affordable and less accessible, which is a lose-lose for everyone involved. So in this episode, we’re focusing on key strategies to…
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Managing Cancer Treatment Costs
“Buy healthcare better.” That’s the guiding philosophy at benefitSMART, an innovative cost-containment solution for the healthcare business that is making headway on one of the industry’s biggest problems. The consumption of healthcare is primarily a passive experience for most customers. And, from the standpoint of healthcare as a commodity, it is sold more often than…
Press Room
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BCS Financial Adds Life and Disability Coverage to EssentialCare, Creating a Single-Carrier Supplemental Benefits Suite for Brokers
New group term life and short- and long-term disability products join accident, critical illness, and hospital indemnity coverage to protect employees’ income and fill gaps in major medical plans CHICAGO, October 7, 2026 – BCS Financial today announces the launch of group term life and short- and long-term disability insurance through BCS EssentialCare. These lines…
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BCS Financial Re-Certified as a Great Place to Work®
BCS announces Great Place to Work® re-certification, based on employee feedback CHICAGO, October 1, 2026– BCS Financial is proud to announce that the company has been Re-Certified™ by Great Place To Work®. The prestigious award is based entirely on what current employees say about their experience working at BCS, with 90% of employees saying it’s…
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GeoBlue® Rebrands to Blue Cross Blue Shield Global Solutions(SM) to Better Reflect Its Global Expertise and Offerings
GeoBlue® Rebrands to Blue Cross Blue Shield Global Solutions(SM)
Resources
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Employer Stop Loss Growth and Performance: Market Observations & 2026 Outlook
The employer stop loss market is experiencing robust growth – in both premium and claims. In this paper, we explore recent and historical employer stop loss performance utilizing 10 years of data collected from publicly-available reporting. This analysis, along with insights into the latest trends in the market will provide context and understanding of the…
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Most Notable Claims of 2024
As a large claims underwriter, insurer and reinsurer, BCS has seen our fair share of high-cost claims. Our industry is grappling to absorb rising catastrophic claims, as additional cost drivers like inflation and new pharmaceuticals continue to put pressure on bottom lines. A recent PwC Behind the Numbers 2026 report indicates that “medical cost trend is once…
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EssentialCare Supplemental Health Solutions Filling the Gap: A Case Study
Medical expenses are one of the most significant financial burdens facing American households today. While major medical insurance is the gold standard for employer-sponsored health care, deductibles, copays, and coinsurance can leave individuals and families financially exposed in the event of a medical crisis. This is where supplemental health insurance can play an important role,…