5 Considerations When Creating a Benefits Package
What do employees want? A robust benefits package makes employees happy (and more likely to stay). Is there a giant disconnect between what employees want from a benefits package and what companies are offering? This question should be in every Benefits Director’s...
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When It Comes to Choosing a Health Plan, It’s Not a Matter Of If Your Insurance Company Will Screw You But How Part II
How your insurance company gets you to hand them tons of extra cash - the individual market for private insurance In a previous blog post we explored the financial aspects of health insurance policies. To recap, there are three dollar-values in any policy that are...
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What You Should Know About Your Health Insurance Provider Part 2: You Get What You Pay For
What exactly does your health insurance provider do, and what does it matter to you? In this multi-part series, we discuss in detail the 8 primary functions of your health plan: Negotiate prices with a network of doctors and hospitals. Design insurance plans. Set...
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Need Specialty Drug Coverage? Good Luck!
How a decision support tool like Daizy helps you make an insurance decision based on things like specialty drug coverage. For patients that need specialty drug coverage, out-of-pocket costs (estimated to be around $1,000/month for some medicines) may prevent them...
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Generic Health Plan Finders Are Costing You Money
Take care of your employees’ specific needs with a customizable health and benefits finder. Hi, the Internet of Things called. It wants your generic health plan comparison tool gone. In its place, technology has emerged to offer your employees a sparkly new,...
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When It Comes to Choosing a Health Plan, It’s Not a Matter of If Your Insurance Company Will Screw You But How
PART I: YOU PAY, AND YOU PAY, AND YOU PAY SOME MORE It’s not mere paranoia that leaves you with an uneasy feeling when you’re selecting a health insurance plan. Insurance companies win when you lose. Their business model depends on … Getting as much money as they can...
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What You Should Know About Your Health Insurance Provider Part I: Is your doctor “in network”?
As we discussed in a previous post, your health insurance company is a for-profit company. It makes money by acting as the middleman between you and your doctor. It negotiates special pricing with a network of doctors and hospitals on behalf of its subscribers (or...
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Top 10 Health Plan Selection Methods
If you’re only going to spend 15 minutes choosing a health plan, what’s the best way to get the job done? Get those open enrollment forms ready and download our handy infographic for the top 10 methods for selecting the right health insurance plan for you....
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“I Don’t Want the Government Between Me and My Doctor.” Or, Do I?
With many members of Congress promising to “repeal and replace Obamacare,” it seems we are doomed to have another “debate” about how to make sure all Americans have access to decent and affordable healthcare. Before we examine the current state of play, it’s worth...
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Health Insurance Is Not Insurance at All
WHAT ARE YOU PURCHASING IN THIS GAME OF THREE CARD MONTE? Insurance is a contract, represented by a policy, in which an individual or entity receives financial protection or reimbursement against losses from an insurance company. The company pools clients' risks to...
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