Are You Paying LESS for Health Insurance Than You Did in 2017?

2019-11-01T15:19:49+00:00

For Members of a Local Association, the Answer Is YES! Every time we talk with fully-insured employer groups about the advantages of Self-Funding, we emphasize that unlike fixed monthly premiums, Self-Funding offers the potential for savings. When claims are at or below anticipated levels, the savings remains with the plan rather than an insurance company. [...]

Are You Paying LESS for Health Insurance Than You Did in 2017?2019-11-01T15:19:49+00:00

Should Medicare Eligibility Be Expanded?

2019-10-02T21:11:19+00:00

It’s a Hot Topic and One We’ll Hear More About in the Months Ahead Whether it’s Medicare at 50, a Buy-In Option or Medicare for All, there is little doubt that the debate on expanding Medicare will be a centerpiece issue as the 2020 primary season intensifies. Prior to the Democratic debates, some of these [...]

Should Medicare Eligibility Be Expanded?2019-10-02T21:11:19+00:00

Can Your Plan Recover Money It Wasn’t Responsible for Paying?

2019-08-15T08:00:08+00:00

That’s What Subrogation and Reimbursement Are All About When a plan member requires medical treatment following an injury or accident, their health plan is almost always the first line of defense. In some instances, however, the responsibility for medical treatment should really lie with another insurance plan, such as the member’s auto policy or workers [...]

Can Your Plan Recover Money It Wasn’t Responsible for Paying?2019-08-15T08:00:08+00:00

Isn’t Everyone Entitled to Know the Cost of Care?

2019-07-11T08:00:13+00:00

The President’s Executive Order Demands Healthcare Cost Transparency We have long chronicled the huge price swings that often exist among healthcare providers in the same locales. To combat this situation and help patients find low cost, high-quality care, the President recently signed an executive order directing HHS to develop rules requiring hospitals to publish clear [...]

Isn’t Everyone Entitled to Know the Cost of Care?2019-07-11T08:00:13+00:00

Who says wellness isn’t worthwhile?

2019-06-20T08:00:48+00:00

Experience shows that worksite wellness is a big part of every high-quality health plan. We take exception with a recent JAMA study that said wellness simply isn’t working. While we could point out many reasons why their assessment is short-sighted, our main objection is that their viewpoint was based on the assumption that all wellness [...]

Who says wellness isn’t worthwhile?2019-06-20T08:00:48+00:00

How Much Are “Ineligibles” Costing Your Health Plan?

2019-05-02T09:32:27+00:00

If your plan isn’t managing eligibility at enrollment, you’re probably throwing money away! Managing eligibility in a self-funded environment can place a big burden on HR Directors, not only at enrollment, but throughout the year. Employee benefit elections, dependents and beneficiaries must be monitored consistently and then there are new hires and terminations to deal [...]

How Much Are “Ineligibles” Costing Your Health Plan?2019-05-02T09:32:27+00:00

What Good Is Information If People Can’t Use It?

2019-03-28T08:00:54+00:00

CMS Administrator Seema Verma calls the new rule a small step. We couldn’t agree more! According to recent reports, what was touted as a giant step for healthcare cost transparency has turned out to be little more than a puzzle few can solve. The rule, which took effect on January 1, 2019, requires that hospitals [...]

What Good Is Information If People Can’t Use It?2019-03-28T08:00:54+00:00

Are You Encouraging Members to Shop for the Best Care and the Best Price?

2019-02-14T08:34:55+00:00

It can be as easy as handing them a check for a percentage of savings. In last month’s HCU, we discussed the flexibility that self-funding provides – emphasizing that within regulatory parameters, self-funding gives the employer significant power over plan design, selection of providers, ways to incentivize plan members and much more. These days, more [...]

Are You Encouraging Members to Shop for the Best Care and the Best Price?2019-02-14T08:34:55+00:00

Who says your health plan has to cost 5% more every year?

2019-01-24T08:00:59+00:00

Done right, self-funding provides the flexibility needed to control costs. A 2018 Kaiser Employer Survey showed that the cost of employer-based, family coverage rose to $19,616, an increase of 5 percent from the prior year. While this increase may be considered moderate or acceptable by many employers, we work hard to help our self-funded clients [...]

Who says your health plan has to cost 5% more every year?2019-01-24T08:00:59+00:00

Ever Asked a Hospital What a Procedure Costs Them?

2018-12-13T08:51:12+00:00

Can the cost of a hip replacement in Philadelphia really vary from $11,000 to $125,000? From white papers to published books, much has been written about how difficult it can be to find out what a hospital stay or outpatient procedure will cost. And as Anna Wilde Mathews observed in her article Lifting the Veil [...]

Ever Asked a Hospital What a Procedure Costs Them?2018-12-13T08:51:12+00:00