The PEPM Illusion
Picture this. It’s the last week of the month. Your finance team pulls a number out of the system-total benefits spend divided by total covered...
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Picture this. It’s the last week of the month. Your finance team pulls a number out of the system-total benefits spend divided by total covered...
Let me tell you a story about a well-meaning employer who thought captive stop-loss would be their financial salvation. The pitch was perfect: form a...
A few years ago, I sat in a conference room watching a benefits director scroll through her enrollment platform. She was proud of the sleek interface-plans...
When we talk about healthcare cost containment in employee benefits, the conversation almost always lands on network discounts, drug rebates, prior...
State insurance mandates are laws passed by individual states that require health insurance plans to cover specific benefits, services, or providers. For...
Every renewal season, you do the same dance. You pull claims reports. You benchmark against similar groups. You brace for the trend curve. And you haggle....
At first glance, one might assume that non-profit organizations have lower healthcare costs because they often operate with tighter budgets and...
You talk to your broker. You meet with your CFO. You think you're the one calling the shots on your self-funded health plan. But there's someone else in the...
Employer healthcare costs are a critical, yet often underestimated, factor in mergers and acquisitions (M&A). For acquiring companies, the target’s benefit...
If you run a self-funded health plan, you know the drill every year. You send your stop loss carrier a stack of claims from the past 12 to 18 months. They...
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