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Healthcare

Your Employees are the First Line of Defense to Saving you Thousands!

Have you ever thought about how you or your employees have experienced the healthcare system? I have a couple of clients who have surveyed their employees over each of the past several years and found two consistent results.  First, not surprising, our out-of-pocket costs are too high. What employers don’t often realize (or think they […]

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The Ugly Truth Behind Health Insurance in the United States

Do you find it baffling that health insurance costs in the United States are increasing at alarming rates, yet seemingly not anywhere else in the world? I find it baffling, especially since the actual costs of healthcare are not increasing even close to the rate of insurance costs.  So, why is this happening in the

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pharmacy medicine

New Accumulator Programs Can Surprise Employees at Pharmacy Counter

An ongoing tense relationship between insurers and drug companies is spilling over and hitting enrollees in group health plans, by saddling them with additional out-of-pocket expenses. Some insurers have started adopting copay accumulator programs — sometimes called accumulator adjustment programs — that change the way a patient’s out-of-pocket medication costs are added up (accumulated) when

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Health Insurance Policy

New Rules Allow Employers to Reimburse for Health Premiums

Starting Jan. 1, 2020, employers can establish accounts for their employees to help them pay for individual health insurance policies they purchase, as well as for other health care expenses. A new regulation expands on how health reimbursement accounts can be used. Currently, employers and their workers can contribute to these accounts, which can be

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hospital bill online

New Rules Aim for Hospital, Insurer Transparency

The Trump administration on Nov. 15 announced two rules that would require more transparency in hospital pricing and health insurance out-of-pocket costs for enrollees. The final rule on hospital pricing will require hospitals to publish their standard fees both on-demand and online starting Jan. 1, 2021, as well as the rates they negotiate with insurers.

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