Start Before the Claim
Most employer health cost strategies share a blind spot. They start after the claim exists. Reference-based pricing renegotiates that claim. Pharmacy...
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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...
Most health engagement programs measure activity. They leave prevention unmeasured. A platform can report high monthly logins while the share of employees...
A company that sponsors a self-funded health plan becomes a fiduciary the moment the plan document is signed. Most employers understand this means watching...
Healthcare costs are the second-largest line item for most employers after wages. Premiums have climbed 5 to 7 percent each year for the past two decades,...
Healthcare costs are not high by accident. They are high by design. One of the clearest places to see that design at work is in the price gap between...
The idea behind a health savings account sounds sharp. Put money in before taxes, watch it grow tax-free, spend it tax-free on medical expenses down the...
An employee at a mid-size manufacturing firm needs a routine hernia repair. She checks her insurance network, finds an in-network surgeon and hospital, and...
Your broker hands you the year-end stop-loss report. Paid claims land well below the attachment point. The numbers say you are due a refund. Five months...
Your total compensation spreadsheet tells a tidy story. Salary, payroll taxes, 401(k) match, health plan premium. Neat columns. If you’re a CFO staring at...
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