The Level-Funded Run-Out That Bites After Renewal
A hospital stay in December. The bill lands in February. The old stop-loss carrier says “no” because the policy ended at midnight on December 31. The...
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A hospital stay in December. The bill lands in February. The old stop-loss carrier says “no” because the policy ended at midnight on December 31. The...
A company that sponsors a self-funded health plan becomes a fiduciary the moment the plan document is signed. Most employers understand this means watching...
Healthcare costs are the second-largest line item for most employers after wages. Premiums have climbed 5 to 7 percent each year for the past two decades,...
Healthcare costs are not high by accident. They are high by design. One of the clearest places to see that design at work is in the price gap between...
The idea behind a health savings account sounds sharp. Put money in before taxes, watch it grow tax-free, spend it tax-free on medical expenses down the...
Switching from a fully insured health plan to a level-funded arrangement changes an employer’s healthcare costs in three fundamental ways. You trade a...
Manufacturing has always carried two cost sheets for healthcare: one shaped by collective bargaining and one shaped by the open market. The differences are...
Chronic conditions drive the largest share of employer healthcare spending. The CDC reports that 6 in 10 U.S. adults live with at least one chronic disease,...
An employee at a mid-size manufacturing firm needs a routine hernia repair. She checks her insurance network, finds an in-network surgeon and hospital, and...
Your broker hands you the year-end stop-loss report. Paid claims land well below the attachment point. The numbers say you are due a refund. Five months...
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