Stop Loss Underwriting Is Plan Design
Your stop loss underwriter knows which employees will drive next year's renewal before your benefits committee does. The renewal packet is where...
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Your stop loss underwriter knows which employees will drive next year's renewal before your benefits committee does. The renewal packet is where...
Most health plan audits stop at the claim. Employers and their third-party administrators pull paid claims, check eligibility against the payroll file, hunt...
Employers run two health budgets that rarely talk to each other. Occupational health handles work-related injuries, fitness-for-duty exams, and...
Self-care and digital health tools can lower employer healthcare costs when they redirect care to lower-cost settings, increase preventive care completion,...
Preventive services cost employers a fraction of what treatment costs. A preventive visit is a scheduled, coded, predictable event. A hospital admission for...
KFF's 2023 Employer Health Benefits Survey found 65% of covered workers are in self-funded plans. Those employers pay claims directly. They buy stop-loss...
Most employers start a direct primary care conversation with the per-member-per-month fee. That is the wrong first question. The fee tells you what access...
US healthcare spending averages about $12,900 per person each year. Employers cover a large share of that bill, and the number keeps climbing while outcomes...
Most employer health cost strategies share a blind spot. They start after the claim exists. Reference-based pricing renegotiates that claim. Pharmacy...
Employers ask the same question every time a wellness vendor walks in the door: can we write off the program? The answer is yes. Accountants have deducted...
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