10 factors to consider in your stop-loss coverage

Self-insuring your employee health benefit plan not only brings upfront cost savings, tax benefits and avoidance of state mandates, but it also provides a foundation for you to achieve sustainable cost management using better control and visibility. To help minimize the risk of unsupportable losses such as catastrophic medical claims or higher utilization, you can purchase…

Is it time to take a fresh look at direct contracting?

Outside of health benefits, your organization is likely to have direct relationships with hundreds of partners with specific agreements, point of contacts, the price for services, and expected quality of delivery. Why can't it work for health benefits? It can. Contrary to popular belief, direct contracting with health systems is not a new idea. It…

Estimating musculoskeletal spend with continuous care management

Even in a good year, health plan budgeting is an imprecise model. Predicting the future health of member population, estimating the risk of sickness, identifying the right treatments for the sickness and then applying the costs associated with those treatments to get an idea of how much would it cost to budget for the risk.…