What is the effect of out-of-network charges on employer healthcare costs?
Out-of-network (OON) charges represent one of the most volatile and poorly controlled cost drivers in employer-sponsored health plans. Unlike in-network...
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Out-of-network (OON) charges represent one of the most volatile and poorly controlled cost drivers in employer-sponsored health plans. Unlike in-network...
Pharmacy benefit managers (PBMs) are the often-unseen architects behind your employees’ prescription drug coverage. They sit between employers, health...
A colleague of mine spent the better part of a year designing a value-based insurance plan that would have made any actuary weep with joy. Zero-dollar...
Every year, a benefits team somewhere sits around a table, opens a thick actuarial report, and tries to divine the future from claims that are already 18...
Every year, I watch benefits teams chase the latest shiny object-a new point solution, a rebate tweak, a wellness challenge that promises to get people...
Tucked inside every employer health plan’s claims warehouse is a damning report nobody runs. Open a folder of last year’s professional claims, lay it beside...
When most employers think about the soaring cost of healthcare, they focus on big-ticket items: hospital stays, specialty drugs, and rising physician fees....
At first glance, employer healthcare costs and an employee’s retirement plan might seem like separate financial streams. In reality, they are deeply...
Employer healthcare costs aren't just a line item on a CFO's spreadsheet-they are a pivotal lever in the competition for top talent. When a company’s health...
A 900-life employer I worked with recently learned a lesson the hard way - to the tune of $105,000. An employee's dependent needed a complex spinal fusion....
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