Insights
Stop-Loss Insurance: What Self-Funded Employers Should Review Before Renewal
Stop-loss renewal is about more than premium. Self-funded employers should evaluate attachment points, aggregate protection, laser provisions, contract terms and emerging claims exposure before renewal negotiations begin.
Why Preventive Care Is Still One of the Best Investments Employers Can Make
Preventive care can help employers identify health risks earlier, manage long-term healthcare costs, reduce absenteeism, improve productivity, and build a healthier workforce. The greatest value comes when employees understand and use the preventive benefits available to them.
The Hidden Drivers of Rising Healthcare Costs That Employers Can Actually Influence
Rising healthcare costs are not entirely outside an employer’s control. This article explores the hidden factors that can influence plan spending, including care settings, provider selection, chronic condition management, pharmacy costs, vendor performance, and employee engagement.
Rethinking Benefits Communication: Turning Awareness into Employee Action
Even the most valuable employee benefits can go underutilized if employees don’t fully understand them. Learn practical ways employers can improve benefits communication, encourage better decision-making, and help employees make the most of their available resources.
Preparing for Renewal Season: Key Strategies to Strengthen Your Negotiating Position
Benefits renewal negotiations are won before they begin. Discover how early planning, claims analysis, vendor evaluation, and benchmarking can strengthen your negotiating position and help control long-term healthcare costs.
Pharmacy Cost Containment Beyond Traditional PBM Models
Rising prescription drug costs are pushing employers to rethink traditional PBM arrangements. This article explores alternative pharmacy cost containment strategies including transparent PBMs, carve-out programs, specialty drug oversight, and clinical management approaches that improve visibility and long-term savings.