The Data Tax You're Already Paying
Let me paint a picture you’ve probably lived a dozen times. The renewal spreadsheet lands on your desk, and within seconds all eyes lock onto a single...
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Let me paint a picture you’ve probably lived a dozen times. The renewal spreadsheet lands on your desk, and within seconds all eyes lock onto a single...
Value-Based Insurance Design is one of those ideas that sounds like a no-brainer. Make insulin cheap. Make mental health visits free. Nudge people away from...
Every few years, a consultant walks into a benefits meeting and promises that reference-based pricing will slash your health plan costs by 40 percent...
Prior authorization (PA) is a utilization management tool designed to ensure medical services are clinically appropriate and cost‑effective. For employers,...
The short answer is yes, employer health coalitions can and do negotiate lower healthcare costs -often achieving savings that individual employers,...
Surprise medical bills are not just a headache for employees-they are a direct drain on employer healthcare budgets. When a patient unknowingly receives...
For years, ERISA health plan reporting felt like a dusty annual ritual. Your TPA would drop a Form 5500 on your desk, maybe a Schedule A, and you’d check...
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...
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