Resources to Help Employees Deal with the Impact of Covid-19

As unemployment numbers in the US reach their highest levels since the great depression, business owners and their employees face every day the question, what do I do now? Not only do employees face loss of income, they also face the possible loss of health insurance and other benefits leaving them vulnerable to new debt or even financial collapse if they get sick or hurt. One In the midst of all the bad news, there are some things happening that can help.

Many health insurance companies are providing direct relief for people facing the health consequences of this pandemic. United Healthcare, Cigna and Humana are among the most proactive companies working to reduce the impact on both the insured and the uninsured. A recent article in Benefits Pro outlines just a few of the discounts and rebates being offered to people to help ((Read It Here)

In addition, United Healthcare has introduced a range of options for short term medical coverage to fill the gap for employees who are losing their employer sponsored coverage. They have created materials and information flyers for both employees and for employers who want to make sure their employees have the information they need to take advantage of these options. If you are interested in learning more about these policy options please contact us at 3to99 and we will get you the information you need.

Is Your Employee Benefits Program Ready for What’s Coming Next?

I know its crazy right now, and with businesses just beginning to reopen around the country there are so many things we still don’t know about the future. But one thing we do know, to be successful we will need to keep our employees. To do that every business owner needs to be ready to face the competition. Are you ready?

Check out this article by Ron Herrmann https://bit.ly/2Ladl72. He has some great ideas about how to make sure your employee benefits package is well positioned to be at the front of the line when employees start looking for their next opportunity.

When you are ready to explore your benefits options, give me a call or send me a message. Give me 30 minutes and I will show you how 3to99 can help you develop a benefits strategy that lets you be an industry leader in team recruiting and retention.

COVID-19 and Medicare for All.

COVID-19 is killing people. There can be no doubt that this will go down in history as one of the most devastating pandemics to hit our world. We will weather the storm, but we will be changed by it. Our lives will be different, our economy will be different, and our view of critical services like health care will be different. The question is, how? We are still in the midst of the battle but I have already heard people begin the argument that “socialized medicine” or “Medicare for all” would have made this better. I thought it might be interesting to do some comparisons between what is happening in the US at this point and what is happening in some of the nations that have socialized medicine. DISCLAIMER: I am not suggesting that this information is the only consideration and the data analysis here could change significantly. Still, from today’s perspective and using today’s data, here’s what we know. (NOTE: All statistics come from the John’s Hopkins University COVID-19 data and are as of 3/2/2020)


The US is one of the 10 nations hardest hit by this virus. The others on that list are Italy, Spain, France, China, Iran, the UK, Belgium, Netherlands, and Germany. While all of these nations have variations in their health care systems, most of them have systems that embrace some form of socialized medicine or government paid health care. I just wanted to track one core statistic in this review. What is the death rate among patients in each of these nations? The table below sets out the numbers.

A quick review shows a trend. Those nations with Single Payer health care system tend to have the highest mortality rates. Now, before you attack me here, I know that this little study does not take into account demographic differences or other possible factors, but the numbers are still pretty stark. France, Italy, Spain, UK and Netherlands all have single payer systems. All of those nations are currently showing the highest mortality rates with the lowest number coming in the UK at over 8.5%. Italy’s mortality rate of 12.07% is nothing less than shocking! At the same time, the lowest mortality rates on this list are in Germany and the United States. Both of those nations have multi-payer systems. Interesting me, is that in the middle we find Belgium and Iran with mortality rates in the 6.2%-6.5% range. Those two nations have healthcare systems that divide the load between partially public systems and private systems.

Even in New York, the hardest area of the United States, the total mortality rate to date is running at 2.66%. Despite fears of equipment and supplies shortages and the potential for the pandemic to overwhelm the hospital systems, New York has adapted and adjusted to the situation keeping the overall death rate lower than any of the European nations that appear on the top 10 list with the exception of Germany. And, New York has a higher total number of cases than any of those nations except Italy and Spain.


Can we make any conclusions? It may be too early in the overall process to make firm conclusions, but it seems to me that there are some possible truths emerging. What stands out most to me is that it appears systems like those in the US and Germany are better able to manage a health care crisis like Corona Virus. In my view what makes this true is the entrepreneurial nature of those systems. Private sector participants are engaged and motivated to produce speedy results that exceed the capability of government to respond. This is happening across the US and, it seems, also in Germany. Only time will tell if this holds true throughout the course of this pandemic. But for now, it is what I see.

CountryFirst CaseTotal CasesTotal DeathsMortality Rate
Italy1/30/2020115,24213,91512.07%
Spain1/31/2020112,06510,3489.23%
USA1/22/2020243,4535,9262.43%
France1/23/202059,9295,3989.01%
China12/30/202082,4323,3224.03%
Iran2/18/202050,4683,1606.26%
UK1/30/202034,1732,9268.56%
Netherlands2/26/202014,7881,3419.07%
Germany1/26/202084,7941,1071.30%
Belgium2/3/02015,3481,0116.59%