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The number one concern I hear from employers when we talk about migrating to a self-insured or partially self-insured environment, is that they don’t want to be responsible for all the claims.   What is stop-loss coverage? Stop-loss or reinsurance is how you protect yourself from large claims if you are self-insured. You should always

I imagine you’ve heard about several different ways to manage your stop-loss coverage as a mid-sized employer. I’m going to explain on option, stop loss coalitions, and how to make these contracts work for you. With group stop-loss coalitions you would purchase stop loss coverage as a group to help mitigate your risk, like you

UPDATE: We filmed this video a bit ago. At the time we made this, unemployment was quite low. That the unemployment rate is significantly higher and the economy is uncertain is even more reason to contain your costs. Not just because you want to keep those people, but because you want to keep those people

What Is RBP? RBP stands for reference-based pricing, a tool that many employers today are using to cut their health insurance costs.The most common concern I hear from employers about RPB is that providers won’t accept reference based plans, or that the employee will have a large balance bill. Neither of these things are accurate

If you’rereading this article, you’re likely considering offering care management and patient advocacy to your employees. Congratulations! You want to help your employees, but at the same time, it needs to be budget-friendly. The process to add patient advocacy and care management is relatively simple. However, like most things in the health insurance industry, it’s