EMPLOYERS SHOULD BE ANGRY!
Health Care Costs Are Spiraling Out Of Control! And There Is Nothing You Can Do About It.
NON-SENSE!
I. Obamacare/ACA, MLR (Medical Loss Ratio) forces fully Insured Companies to Increase Claims in Order to Increase Dividends and Profit. MEDICAL LOSS RATIO
II. Pharmacy Managers create a mark-up or spread between the price charged and the amount paid to pharmacies. These dollars become rebates that typically go to your insurance vendor or Administrator. DOUBLE DIPPING!
III. Reference Pricing (Established by Medicare) establishes a base price or true costs = 100%. Out of network costs are typically 1,000% of Medicare. PPO's are typically set at 400%. When your network provider or insurance company negotiates a lower settlement, something below 400%, who gets the difference? Not You! TRIPLE DIPPING!
IV. When your group claims are lower than your funding, who keeps those dollars? Not You! QUADRUPLE DIPPING!
These problems are not new and we assume your Broker explained these issues.
We solve all of these problems!
Talk to us today, we are your "Health Care Expense Reduction Experts!"
The most efficient, safe and effective approach to move from a Fully-Insured plan to a Self-Insured plan is with Level-Funding. A Level-Funded solution is still insured. There are many contractual and performance differences with Level-Funded Solutions. You must carefully vet your choices. We offer only the "Best of the Best."
Administrative Services Only with superior Cost Containment Strategies. Reduce operational costs, increase engagement, meet ACA regulatory compliance, manage complex benefit plans from single source login, privacy mandates, manage payroll deduction & requirements & get ahead of Healthcare Reform Compliance!
Real Strategy to Reduce the Number, Size and Frequency of Claims!
We Excel @ Administrative Technology, Cost Containment, Benefit Management & Risk Management
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Next generation products and services integrated in a high performance technology administrative platform and delivered in a high performance technology system.
513-661-7581
Scott@GroupBenefitsExperts.com