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...
Opinion
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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...
A few months ago, I sat across from an HR director who was genuinely proud of the benefits refresh she’d just rolled out. Her team had spent months...
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...
Every benefits textbook tells you the same thing: fund a Health Reimbursement Arrangement, and the contributions are 100% tax-deductible. Full stop. End of...
For years, I’ve sat in boardrooms where the conversation about population health ROI follows the same script. Someone pulls up a spreadsheet. They show A1C...
You’ve seen the presentation. The vendor stands at the front of the room and slides a chart across the screen: 3:1 ROI . The CFO smiles. The HR director...
You dodged the penalty. Kept your headcount under 50. Filed the right codes on your 1094-C. The IRS isn't coming after you. Feels like a win, right? But...
You’ve heard the pitch: reference-based pricing slashes healthcare costs by paying a fair multiple of Medicare, bypassing bloated networks, and saving 20 to...
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....
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