How to deliver high-quality musculoskeletal (MSK) benefits at lower cost?

In the COVID-19 era, benefit leaders are struggling to find the right composition of their 2021 benefits package amongst complex, unknown, and ever-changing workforce challenges. Despite the challenges, there has never been a better time to rethink the benefit design that would meet the evolving needs of future. A future where the workforce will likely…

What’s the right copay for Physical Therapy – $0, $20, $40 or more?

The musculoskeletal landscape in America is expansive and expensive. It is expansive because 50% of American adults are experiencing a musculoskeletal condition. It is expensive because it is now estimated to cost about a $1 trillion. Who is paying for it? Both employers and their people. For over 150 million working Americans (under-65), employers are…

Optimizing Physical Therapy Utilization in Workers’ Comp

Physical therapy is quite common in workers’ compensation involving shoulder and knee tears as well as spinal injury cases (neck and back). While physical therapy can be a great tool for injured workers, employers should be concerned about the costs, which are often much higher in workers' comp than in group health for the same physical therapy…