Why Your Self-Funding Study Is Already Obsolete
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...
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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...
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....
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...
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...
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