Most of the information we have posted on our new blog concerning health care reform has been credited to other authors who have weighed in on this legislation.  It’s time for us to step up to the plate.

We believe health care access is a worthy goal.  Certainly, this access issue has had considerable attention in the reform package.  What we continue to call for is better focus on medical service cost containment efforts.  Health care is expensive.  We need more effort getting costs under control before we try to dump our citizenry into a system that is unaffordable.  It’s really easy to say this, but we are going to have to get serious about putting some muscle behind this initiative if we ever hope to be successful.

What can be done to help make the system more affordable?  What we are really talking about is medical insurance premiums, since we must pay those costs before accessing medical care.  Our firm works with employer groups in the design and management of their employee benefit plans.  The area that gets most of the focus is the group medical plan.  Since we get to tell our clients the good news and the bad news (about their medical plan renewal), it is imperative that we provide guidance on how best to control the factors that effect premiums.

What factors?  For one, the medical loss ratio (MLR).  The MLR is a simple calculation of premium taken in by the carrier vs the paid claims.  In the case of a group plan paying $100,ooo in premiums and having $80,000 in paid claims, the MLR is 80%.  The insurance carrier uses the MLR to establish required premiums at the renewal.  Why is this important?  The lower the loss ratio, the better the renewal.  The better the renewal, the less money the employer spends and, at least eventually, the less the employee pays through payroll deduction.

How can we control and improve the MLR?  We argue the first step must be the education and engagement of the employee.  The employee must be equipped with the proper support tools to make good decisions about where and whom they will get to provide their medical services.  Employees need to have easy access to research to help them make these decisions.  There are many medical providers, physicians and facilities, and asking the employee to do research on all of them in their community is unreasonable.  If we ask them to check medical prices before they select a surgeon and a hospital, they might check a couple of options, but they won’t check all available options.  They need someone to hold their hand, get them the research (medical outcomes and pricing), in order to make an informed decision.

By helping the employee gain access to the medical providers that produce the best medical outcomes, we improve their chances of success, get them back to work more quickly, and reduce the likihood of “medical re-work” which involves having to repeat the procedure (which increases the cost).

If we then take it one step further and help the employee get to the best providers AT THE LOWEST PRICE, then we really start to make an impact.  The employee gains the advantages listed above, plus the employer and employee reduce costs by making wise, informed decisions.  If we can get the patient to lower cost providers with great outcomes, everyone wins.

How can this be done?  There is a start-up cottage industry being developed to provide this badly needed support.  Some companies have been at this for a while and have developed meaningful research to assist in this effort.  We REQUIRE out clients to carefully consider engaging this resource before any further talk of cost containment is discussed.  If fact, we feel so strongly about it that, in most cases, we engage these resources at no cost to our clients.  Nothing like putting your money where your mouth is.

Let’s talk about money for a second.  Follow the money, as they say.  If we reduce medical claims cost by steering people to the best providers at the most reasonable costs, what effect will that have on the MLR?  It has no choice.  It must go south.  This is really not that complicated, but few people take the time to understand that the choices people make about how they consume medical services plays a huge part in whether affordable medical coverage can be sustainable.

The next part is the challenge.  How do we engage people in the process?  How do we get them to pick up the phone and ask for help?  This is the deal.  If we can’t get people engaged, then this process will never have a chance to work.  But make no mistake.  Employers are figuring out how to get this done.  Momentum is building with each passing day.  We counsel with our clients concerning the communication strategies they can use to get their employees engaged.  Think about how your employees consume information.  How do they like to learn?  Do they like print, podcasts How about a survey to learn this information?


  1. Despite Jordan upon the market as a result of performance, nonetheless footwear is known as a extremely popular designate. Jordan offered for sale beneath expression The air jordan. Thus, it again pronounces with jest in which any specific The air jordan Product golf ball guitarist known.

  2. August. 3 with the Crossland Gallery: “Thirteen Several years to the Boundary, inches any retrospective involving operates Sweet Mayer; “Kolovotz, inches operates Linda Dollar together with Diane Matthews’ together with operates Carol Ann Parsons together with Ellie Kirkland. A displays remain by August.

  3. Norristown, Philadelphia, is usually upon the Schuylkill Riv definitely not definately not Philadelphia. While vicinity is usually largely suburban, you can weekend choices available. Open-air lovers can easily benefit from swimming inside the Schuylkill Riv, doing some fishing plus mountain climbing within Evansburg Declare Dog park, plus pedaling under the Schuylkill Riv Path.

  4. Moreover, they must get a lot of our trust. Makers together with suppliers never an individual dispense trainers together with shoes to try and do cash flow, also check into by ensuring your trainers are in possession of premium to be certain vendor coaches have a relatively quite permanence. Without a doubt, everyone wil find variety of coaches you can find, even so, which kind easily plan to i believe private? Most people nee some model of sneakers the fact that has the capacity to incisively offer the price at the same time gladden.

  5. Chances are you’ll keep in mind anything have in no way recently been around the nights following. A brandname will make quite a few subbrands along with penetrate for the duration of manner. Can certainly in a way everywhere you look.

  6. It doesn’t nevertheless compete with that 122percent escalate to the Toyota Prius revenue as well as that 106percent escalate to the Toyota Social covering the exact interval. Nonetheless it’s really a key get started. Honda can be introducing that gaselectric multiple, 47milespergallon CMax lorrie to be able to concern that Toyota Prius truck.

  7. For instance KOAs all over, a 180acre Williamsburg KOA campground features a wide selection of MOBILE HOME plus camping tents camping outdoors web-sites, and also hire cabins. It KOA’s MOBILE HOME web-sites possess maximum hookups along with close to 50amp electrical power, as well as major web-sites can be 95 paws much time. Satellite television links can be purchased at most of the, although not every, on the campground’s web-sites.

  8. A further little bit of newness is definitely quantity making. A short while ago Nothing released your cracking open of an unique production line positioned next to ones own architectural business office around Scotts Pit (notice: Nothing Motorbikes making unique production line around Father christmas Jones, encounters expansion around 2011). By simply setting both straight following to one another people an answer to advancement profits on account of making and even design and style technicians functioning sidebyside..

  9. Cockatoo Adore Tale An account associated with 2 Cockiessioux Caused by Siouxelyn Is certainly. Irene Pepperberg being movie star presenter in the Much time Of the islands Bird Creatures Expo for Sitting. 10/5.

  10. Seattle is undoubtedly a vacation destination purpose for the purpose of open-air lovers, with the help of numerous impressive camping out options available towards the community core. The next wind storm is definitely trendy almost over summer and winter along with should get rather moist concerning Don’t forget national along with Drive should the area should get 65 p . c connected with their precipitation for that season. Relating to funds lodging at under $50, Seattle won’t have a large amount, although there are numerous inns, specially found near to the air-port, that include affordable premiums.

  11. synflex 550 mg tablets domperidone without prescription mtf low dose hrt

  12. Welcome to [url=]our successful company[/url]!
    There are already more than 376,000 people with us, who raise their deposits every day.
    We invite you to join these lucky ones!

    If you need [url=]software[/url], you can always take it [url=]here[/url] .

  13. guest test post
    http://googlee.te/ simple

  14. payday loan lenders payday loans no credit check <a href=""&gt; best payday loans</a> [url=]payday loans online[/url] payday loans houston

  15. How to get without going to a doctor tablets generic name.

  16. How to get without a doctor prescription generic next day delivery uk.

  17. Мой вк radik_y2014 телефон 8-927-611-34-99 вайбер вотсап телеграм скайп kruzzor

    Могу долго расписывать какой я молодец, сколько десятков лет у меня опыта в данной сфере, но я предпочитаю “воде” реальные факты.Поэтому хватит лирики, вот что я могу предложить:
    1. Качество услуг на уровне ведущих компаний.

    2. Цены существенно ниже чем в компаниях (зачастую в разы).

    3. Постоянная доступность, готовность ответить на интересующие Вас вопросы (ну разве что не ночью), то есть не нужно писать письма и сутками ждать ответа.


    5. Мой опыт работы в рекламном агентстве позволяет выделить ваш продукт среди конкурентов, что значительно повысит вашу прибыль от сайта в дальнейшем.

    6. Люблю креативить. Это можно увидеть в моих работах.

    7. При желании можно встретиться и побеседовать лично.

    8. Также могу предложить: SEO продвижение сайта, контекстную рекламу Я.Директ и SMM продвижение в социальных сетях

    Я надеюсь, что первоначальной информации достаточно, ЗВОНИТЕ ;)
    Сайт-визитка, лендинг, лэндинг, landing page, интернет-магазин, портал, корпоративный сайт.

Leave a Comment

back to top