Telehealth's Dirty Secret: You Pay for Convenience, Not Health
For years, I've sat in conference rooms with HR leaders who proudly announce they've added "telehealth coverage." They check the box. They move on. And I...
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For years, I've sat in conference rooms with HR leaders who proudly announce they've added "telehealth coverage." They check the box. They move on. And I...
For years, the Affordable Care Act's individual mandate penalty was the center of a political firestorm. It was called a tax, an overreach, and a nudge gone...
Let me start with a confession. I’ve spent two decades in this industry, and for most of that time, I genuinely believed flexibility was the answer. Give...
Catastrophic health coverage is usually described with a single tradeoff: lower premiums in exchange for a higher deductible . That’s true, but it’s also...
High-deductible health plans (HDHPs) fundamentally reshape the entire healthcare benefits landscape by shifting the financial risk and decision-making...
Employee Assistance Programs (EAPs) are one of those benefits almost every employer offers-and almost every employer quietly suspects they’re...
For years, we've treated telehealth like a simple substitute for a doctor's visit. Give employees a screen, save them a trip to urgent care, lower claim...
You've heard the simple definition a hundred times: a deductible is the amount you pay out of pocket each year before your insurance starts covering the...
Let’s be real. Most telemedicine programs are dead on arrival. You slap a logo on a vendor, tell employees they can see a doctor from their couch, and hope...
Let's be honest. If you're in HR or benefits leadership, you've probably spent more time than you'd like staring at claim reports. You track deductibles,...
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