Trends

Emerging trends in healthcare and health insurance are shaping the future of the industry. As treatment options continue to evolve, employers must be prepared to address these changes and the accompanying rise in health insurance costs. Staying informed and adaptable is crucial for effectively managing employee benefits in this dynamic landscape.

Trends to Consider

Let's start a conversation on how these trends will affect you employee benefits.

Administration Options

Let's explore taking our healthcare back from CUBA. If you are not familiar with CUBA, it stands for Cigna, United, Blue Cros/Blue Sheild, Aetna. These four entities have been the driving force of our insurance industry for decades. They win when your healthcare costs more.

To Pre-cert or Not

Have pre-certs become an unwelcome part of the healthcare system? Per-certs done the right way are very valuable. Unfortunately, very few vendors conduct the per-certs in a way that it benefits the patient in navigating their best care.

Wellness

Wellness is in transition as employers struggle to find programs that produce real return on investment. What elements are important to include in your wellness program to make this benefit improve your member's wellness.

Network Discounts

It's time to review the value of PPO networks. If every provider is in your network, are you really able to leverage good discounts. Fifty percent discount from a service overpriced by 800% is not really a good deal.

Best PBM Options

Your best option for pharmacy benefit management is to stop doing business with the companies controlling 80% of the market space. Finding a PBM that allows you to pull apart the pieces of the PBM services and rebuild with the best parts is the best option.

Data & Reports

As a self-funded employer, the claims data belongs to the Plan, and as the Plan Fiduciary you need the data to confirm Plan assets are being used prudently. What to do if your administrator refuses to provide your data to you?

Point Solutions

Healthcare point solutions hit the market daily. By mainly leveraging technology, these solutions hope to drive tools and information to help members navigate the healthcare ecosystem. But which point solutions do your members really need?

Diet Drugs

Should your health plan cover diet drugs? What safeguards can you put in the language to protect the member, costs, and outcomes. Are these solutions really working...long term? What are the risks?

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Sandy@Insight2Benefits.com