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...
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...
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...
Every benefits leader wrestling with reference-based pricing knows the tension. You push for hard-dollar savings, and somewhere across town an employee...
Healthcare pricing transparency is a powerful but often underutilized tool for employers to reduce costs. At its core, it means providing clear, accessible...
Employer healthcare costs vary significantly between urban and rural areas, driven by differences in provider availability, population health profiles, and...
A few months back, I sat across a conference table from a benefits director who was beaming. Her team had just completed a repricing vendor RFP, and the...
When we talk about healthcare cost containment in employee benefits, the conversation almost always lands on network discounts, drug rebates, prior...
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