News & Events
Help Your Employees Find Their Best Plan
Employees need a good health plan, but more importantly, the best plan for their unique needs. Studies have found that nine out of 10 employees opt...
Insights from the 2025 Health Insurance 4.0 Event
Total Control Health Plans recently hosted the second annual Health Insurance 4.0 summit for Michigan employers, highlighting industry trends and...
Critical Illness Insurance Provides Vital Protection to Employees
The typical family's income slips by more than $12,000 in the year after a breadwinner suffers a critical illness such as a heart attack, stroke or...
Total Control Health Plans Hires Jens Milobinski as Account Executive
Milobinski joins self-funding experts with deep experience in HR & education administration Total Control Health Plans (TCHP), a...
Health Insurance 4.0 Recap
Thank you to all who were able to join us at Health Insurance 4.0! On Tuesday, September 10, 2024, industry innovators at the forefront of change...
Catch the Replays of Our “Anatomy of a Self-Funded Plan” Webinar Series
As more and more employers consider self-funding as the preferred model for their health plan, we felt it was important to review the key components...
Upcoming Webinar – Are You Insured For Miracles?
Are You Insured For Miracles? Preparing Your Health Plan for the Gene & Cellular Therapy Revolution Join us for a Free Webinar on Tuesday, May...
Homethrive Introduction
https://vimeo.com/766178628 Please join us as we host Margaret Raiche, Midwest Regional Vice President, to hear how Homethrive is the...
EZaccessMD Introduction
https://vimeo.com/763515842 We recently hosted Tim Randall, Director of Sales of EZaccessMD, to hear how they are revolutionizing telemedicine and...
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What is MLR?
MLR, or Medical Loss Ratio, is a prime example of misaligned incentives in the health care supply chain. The Medical Loss Ratio is a provision in the Affordable Care Act that was intended to keep insurance carriers from over charging their customers. It requires that carriers spend $.80 of each dollar collected in the small group market, and $.85 of each dollar collected in the large group market, to pay its customers’ medical claims and activities that improve the quality of care. The remaining portion can be used for overhead expenses, such as marketing, profits, salaries, administrative costs, and agent commissions. If health care costs go up, however, then the carrier is justified in charging higher premiums increasing the value of their 15% or 20%. With a model like this, carriers benefit when health care costs go up.