Blog

TCHP and Coldbrook Insurance Group Kick off 2019 Round Table Series

Total Control Health Plans is hosting the first of a series of employer round table events in 2019 on Wednesday, February 20th.  The event is targeted towards employers who have, or are considering, a self-funded medical plan and are spending more than $6,500 per...

Employers Rethink HDHPs as More People Struggle with Medical Bills

Employers Rethink HDHPs as More People Struggle with Medical Bills

As the number of employers offering high-deductible health plans continues growing, the spotlight recently has highlighted an inconvenient truth: some employees are going broke and filing bankruptcy because they cannot afford all of the out-of-pocket expenses and...

Businesses Boost Employee Benefits, But Workers Yawn

Businesses Boost Employee Benefits, But Workers Yawn

Despite many employers’ best efforts to improve the benefits packages they offer their staff, many employees are not satisfied with their health plans, according to a new survey. With the job market tightening, many businesses have upped their game in their benefits...

Dirty Hands and Individualized Healthcare Plans

Dirty Hands and Individualized Healthcare Plans

Company decision-makers have a wide range of choices to make that will ideally lead to better prospects for their employees and the company as a whole. The idea of an employer-based healthcare plan represents an enormous decision for any company to make, but one that...

Narrow Networks

Narrow Networks

As outlined in my book, Not Rocket Surgery, An Employers Guide to Controlling the Health Care Supply Chain, one of the most important roles of an employer sponsor of a Total Control Health Plan is messaging to employees.  The fact is that the cost of health insurance...

The Value of the Network – Part 2

The Value of the Network – Part 2

In follow up to part 1 of our answer to the question, To Network or not to Network, we will be diving into the second primary selling feature of networks in addition to access, which is the discount. Anyone who has ever been involved in the process of shopping for an...

The Value of the Network – Part 1

The Value of the Network – Part 1

To Network, or Not To Network? That is The Question. Q: What do you get when you strip away the network from a health insurance carrier? A: An expensive claims administrator While certainly there are additional roles that insurance carriers fill, ultimately their...

One Hip Replacement is Equal to 97 New Cars

One Hip Replacement is Equal to 97 New Cars

Given enough information, most individuals tend to make the “right” decision.  In the case of health insurance, all things being equal, the “right” decision is to go to the highest quality and lowest cost providers.  The problem with health insurance is that rarely do...

Stepping Over Dollars to Pick Up Dimes

Stepping Over Dollars to Pick Up Dimes

Generally speaking, the “fixed costs” (administration, stop-loss/pooling, network access) represent 20% of health plan costs with claims representing the other 80%.  As a result, it would be logical for those concerned about cost reduction to focus on the 80%,...