Empowering the Consumer: Private Exchanges and Customization

By Mike Sullivan, Executive VP and CMO

We are living in the era of the consumer. Advances in technology have given individuals more power than they have ever possessed to access products and services that best meet their needs. Price elasticity models are being reconfigured across our industry as well. These dynamics have changed the world of commerce, forcing manufacturers and service providers to innovate.

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Free Gift Without Purchase


My dad always told me that NOTHING is ever “free.” Sorry dad, but I beg to differ. Hasn’t he ever been to Costco where you can munch on an array of delicious, free samples? Ever need to use WiFi at a moment’s notice? Ever received a goody bag just for visiting a vendor setup? These things are actually free! Well, that sounds great on our own personal time, but what about things we get for free just for working at Digital?

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The Scoop on Applicable Large Employer (ALE) Transition Relief

By Carl Pilger, Vice President, Legal Counsel

The original effective date for this provision was last January (2014), but the agency in charge realized that the mandate failed to take into account health plans offered on a non-calendar year or fiscal year basis. The result? Transition relief granted to accommodate these types of plans as well as extending more time to all impacted ALEs to prepare for the new rules.  The new effective date is January 1, 2015, for certain ALEs with standard calendar plans.

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Wellness Wednesday – Don’t Forget Your Year-End Deadlines!

by Katie Prellwitz

Why do stores feel compelled to display Christmas decorations earlier with each year? If only they lined the shelves with remaining dental visits, excess FSA dollars, and Transamerica wellness visits. Regardless, it’s that time of the year when we need to look back at our checklist. Not for presents to buy for friends and family but for health benefits we have yet to use.  It’s time to be thankful for all that we have – including employee benefits!  So what’s left for 2014?

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“Be Thankful”

By Adam Bruckman, CEO

THANKS.  It’s a word that I strive to end every message with, but not a word that is often at the center of the message.  It’s November and it’s a month for giving thanks; an annual tradition begun long ago. What a perfect theme and reminder for all of us at Digital as we work through our busiest time of year and try to keep in perspective all that we individually and collectively have to “Be Thankful” for.  Each of us has ample reason to give thanks.

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Ready, Set, Go! 8 Ways to Smooth the Path to Open Enrollment

By Jody Mayo

Open enrollment for employee benefits coverage is right around the corner. This fall’s enrollment period—just like last year—will likely hold some ACA-related twists and turns for employers and employees alike. With ACA final regulations solidified in March, open enrollment for 2015 will undoubtedly pose potential new issues, challenges and options for everyone involved. As Dorothy from the Wizard of Oz would say, “We’re definitely not in Kansas anymore, Toto.” Continue reading