BenefitsAll

BenefitsAll

Everyone can understand health insurance and health care better.

“Health care is a basic human right.”


“Health care is a commodity.”



Health care policy is one of the most politically and socially divisive issues of the day. On one end of the spectrum are people that believe health care is a commodity, available to all that can afford it. On the other end of the spectrum are people that consider health care a basic human right of all citizens regardless of their ability to pay.

Before the Affordable Care Act (aka Obamacare) health care access was available to everyone who could afford it and the poor, elderly, and disabled covered by government programs. Anyone purchasing health insurance to make health care more affordable was at the mercy of private sector health insurers that could charge any amount of money for their product. Accessing health care without insurance was impossible, except for the financially well-off. Also, health insurers could decide not to offer health insurance to the very ill or anyone with any preexisting medical condition. Obamacare changed that by providing financial assistance to people that could not afford health insurance and requiring health insurers to cover everyone regardless of their health status or age.

How we work out our ideological differences over health care is the current battle. Subscribe to the BenefitsAll Blog for my take on health insurance and health care policy and social commentary. Employee benefit and Human Resources professionals and HR educators

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Questioning the private health insurance and health care status quo!

BenefitsAll Blog - For Everyone


The BenefitsAll Blog includes weekly updates (posts) on health insurance and health care public policy combined with a healthy dose of personal commentary, and the occasional retirement savings article. Health insurance and health care are too important and expensive to ignore. We all have acquaintances, friends and family members who suffered from an illness or injury, or died too soon because they lacked access to affordable, quality health care. We all need to know more, say more and do more to make American health care more accessible and affordable for all of us. Subscribe to have my blog posts delivered to your email once per week, and share your thoughts and opinions about American health insurance and health care.

The Guide (Book) - For HR Pros


The Guide To Becoming An Employee Benefits Know It All, is for workplace employee benefit and Human Resource professionals charged with explaining health insurance to workers. The Guide is also a great teaching resource for students and faculty of college Human Resource programs. The Guide includes advice, anecdotes and resources to enhance the knowledge of new and developing employee benefit professionals and challenges them to question the health insurance status quo.


Order the book on Amazon by clicking the above link or the photo to the left. It is available in print and eBook formats. A supplemental HR Instructor’s Guide is available for teachers that want to incorporate the book into their course material.

About BenefitsAll


After years of working as an employee benefit professional in HR departments large and small, I know how little the average person understands American health insurance and health care. It doesn’t help that most people claim that they would rather visit the dentist than read health insurance information.

I created the BenefitsAll website to provide health insurance and health care information to a public that can tolerate only the basics.


Denise Perkins, CEBS. Denise has over 15 years of experience working in employee benefits management in the private and non-private business sectors. Denise holds the Certified Employee Benefits Specialist (CEBS) designation. Co-sponsored by the International Foundation of Employee Benefit Plans and the Wharton School of the University of Pennsylvania, the CEBS designation is one of the most respected professional credentials in the employee benefits field. She has a Master's degree in Public Administration and Bachelor's degree in Business Management from Penn State University.
Disclaimer: I am not an expert on health insurance or health care. The content on this site is for education and information purposes only, and is not advice. My opinions are based on my work experience and knowledge obtained through study. You should consult with a health insurance or health care advisor before making any decisions based on the information you read on this website.