“The challenge facing successful business ventures is to understand the necessity to continuously respond to market forces in a proactive manner since competition will certainly become a factor to consider at some point. To ignore this basic business premise by remaining complacent is business suicide.” – Bill Rusteberg
Continue reading You Can’t Fight Against The FutureEmployers Look to Cut Healthcare Program Costs and Boost Affordability
“Employers are adopting various strategies to ensure the affordability of their healthcare programs for both their companies and employees.
Continue reading Employers Look to Cut Healthcare Program Costs and Boost AffordabilityNo Surprises Act Independent Dispute Resolution Outcomes for Emergency Services
“We analyzed public IDR data from 2023 for the most common disputed professional service: evaluation and management of a moderate to severe emergency medicine visit.
Continue reading No Surprises Act Independent Dispute Resolution Outcomes for Emergency Services
Currently, most all Term Products are designed to turn into Annual Renewable Term at the end of the guaranteed period.
Continue reading Term Life Like With – No A.R.T.
“Most political subdivisions have never bid out the dominant risk factor of their health plan that accounts for 90% of plan spend. Instead they have historically “gifted” public funds through intermediaries who have negotiated secretive contracts with health care providers they can’t see nor audit.” – Bill Rusteberg
Continue reading This Makes No Sense
“UnitedHealth had already reduced payments from 450% of what Medicare pays — the benchmark that many insurers use as a starting point for their own figures — to 250%, and the company planned to drop it further to 150%, according to the email……..Such a cut would have put UnitedHealth below national averages: Employers and private insurers paid on average about 250% of Medicare’s reimbursement in 2022…..”
Continue reading Internal Emails Reveal Carrier’s Pricing Strategy
