Hidden Caps on Therapy Coverage: What Employers Need to Know
Mental health therapy coverage “limits” are usually discussed like a line item: a visit cap, a copay, a deductible. And yes-those design choices matter. But...
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Mental health therapy coverage “limits” are usually discussed like a line item: a visit cap, a copay, a deductible. And yes-those design choices matter. But...
Most advice on “cost-effective health benefits” for small businesses starts with shopping the insurance market: change carriers, tweak the deductible,...
If you Google “HSA contribution limits 2023,” you’ll find plenty of charts, a few reminders about catch-up contributions, and not much else. That’s because...
Here's something most benefits professionals won't say out loud: the way we've structured mental health benefits actually prevents effective depression...
How the benefits industry's favorite cost-control lever is quietly costing employers millions For fifteen years, the employee benefits industry has operated...
Every benefits consultant will tell you dental insurance is "table stakes." Employee surveys confirm workers want it. Carriers make it dead simple to add....
I need to tell you about a line item in your health plan that's probably costing you a fortune-and you've never even noticed it. Food allergy testing is...
Most “telemedicine demographics” write-ups read like a census report: age ranges, income bands, and a quick urban vs. rural split. Useful, sure-but not...
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