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These are just a few of the 35 concepts we recommend to keep costs down and free up capital.

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Health Reimbursement Arrangement

Have you ever had the feeling you had a good year, no major claims, but still received a renewal increase from your insurance carrier?


A Health Reimbursement Arrangement (HRA) is an IRS-approved, employer-funded medical reimbursement plan linked with a group health insurance plan. This allows employers to self-insure a portion of their group insurance plan using pre-tax dollars which leads to big savings without any change in coverage.

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Medical Management

If you’re not doing everything in your power to aggressively manage your medical and prescription claims costs, your costs will continue to spiral out of control.

By incorporating proactive medical management practices, your members will be able to engage in a healthier lifestyle, producing better outcomes for them and financial results for your company.

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Level Funding

Are you struggling to find healthcare benefits solutions that give you the control, flexibility and value you need?


With level-funding you get better control over your health benefits, the flexibility to tailor your plan design to your specific needs, and the opportunity to realize savings if your group’s claims are lower than expected.

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Reference Based Pricing

If there ever was “smoke and mirrors” in the world of healthcare, how your doctors or hospitals bill for their services would certainly qualify.

With Reference Based Pricing, you will see exactly what is being charged for a claim, which can provide insight into how your plan is running.

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What are the advantages of self-funding and why are more companies switching from a one-size-fits-all approach?


Because of the broad scope of control provided, the most cost-effective approach is to self-fund your health insurance plan. Changing from a one size fits all, fully insured plan to self-funding will help you:


● Control costs


● Enhance your cash flow


● Understand each element of your healthcare spend

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Prescriptions are the top driver of costs for your health insurance plan, increasing by over 10% a year.

Because they comprise at least 25% of your overall expenses, you must proactively manage these costs just like every other aspect of your business.

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