The Hidden Plumbing That Breaks Reference-Based Pricing
Every few years, a consultant walks into a benefits meeting and promises that reference-based pricing will slash your health plan costs by 40 percent...
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Every few years, a consultant walks into a benefits meeting and promises that reference-based pricing will slash your health plan costs by 40 percent...
A few years back, I sat in a boardroom with a CFO who was beaming about their new telehealth vendor. “Forty percent of our primary care visits are virtual...
A colleague of mine spent the better part of a year designing a value-based insurance plan that would have made any actuary weep with joy. Zero-dollar...
Every year, a benefits team somewhere sits around a table, opens a thick actuarial report, and tries to divine the future from claims that are already 18...
Every year, I watch benefits teams chase the latest shiny object-a new point solution, a rebate tweak, a wellness challenge that promises to get people...
Employer healthcare costs aren't just a line item on a CFO's spreadsheet-they are a pivotal lever in the competition for top talent. When a company’s health...
A 900-life employer I worked with recently learned a lesson the hard way - to the tune of $105,000. An employee's dependent needed a complex spinal fusion....
I sat in a client’s quarterly review not long ago, watching their broker point to a slide that read “58% average network discount-well above benchmark.”...
Everyone loves the idea of a stop loss captive. You grab a handful of sharp employers, pool your stop loss risk, and finally get off the fully insured...
Walk into any benefits conference and you'll hear the same chorus: deductibles are a necessary evil. They nudge people toward smarter care, keep premiums in...
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