The Discount Rate Mirage
I sat in a client’s quarterly review not long ago, watching their broker point to a slide that read “58% average network discount-well above benchmark.”...
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I sat in a client’s quarterly review not long ago, watching their broker point to a slide that read “58% average network discount-well above benchmark.”...
Everyone loves the idea of a stop loss captive. You grab a handful of sharp employers, pool your stop loss risk, and finally get off the fully insured...
Reference-based pricing (RBP) fundamentally rewires how an employer-sponsored health plan pays for medical services, and its impact on healthcare costs can...
The relentless rise in employer-sponsored healthcare costs-projected to surpass $15,000 per employee annually in 2024-is fundamentally reshaping how plan...
Employer-sponsored health plans are not one-size-fits-all, and one of the most significant drivers of cost variation is the composition of the employee's...
Walk into any benefits conference and you'll hear the same chorus: deductibles are a necessary evil. They nudge people toward smarter care, keep premiums in...
I’ve sat through enough benefits conferences to know the script by heart. Someone puts a slide on the screen showing that fewer than a quarter of employees...
Every benefits director knows the standard story. Stop loss insurance catches you when a catastrophic claim threatens to blow up your self-funded plan. The...
I was sitting across from a client last fall, watching her slide the carrier’s renewal letter across the table. The number was ugly-a 14% increase on a...
Medical tourism-the practice of traveling abroad to receive medical, dental, or surgical care-has emerged as a disruptive force in employer-sponsored health...
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