disability insurance

HDHPs Can Hamper Employee Health Without an Attached HSA

HDHPs Can Hamper Employee Health Without an Attached HSA

In recent years, employers and self-employed Americans have been migrating to high-deductible health plans (HDHPs) but, if they are not attached to a health savings account (HSA), they can end up costing the plan participant more than they can afford and create health...

Employers Double Down on Employee Benefits

Employers Double Down on Employee Benefits

As the job market tightens and competition for workers becomes fiercer, a majority of employers are boosting their employee benefits offerings and are paying less attention to reducing associated costs, according to a new study. The changes reflect the shifting...

Defining Total Control

Business leaders are constantly monitoring the financial performance of their organization.  If costs start to escalate in a particular area, the CEO or CFO likely dive into the numbers to find out what the root cause is.  If the sales budget was out of line and a...

Ohio Auditor’s Report on PBMs Sparks Changes

Ohio Auditor’s Report on PBMs Sparks Changes

An audit carried out for Ohio Medicaid found that large pharmacy benefit managers that contract with the state's Medicaid program have been pocketing a larger and larger share of drug pricing. In fact, PBMs charged Ohio Medicaid plans 31% more for generic...

Proposed Rules Include New Ways to Satisfy Employer Mandates

Proposed Rules Include New Ways to Satisfy Employer Mandates

The IRS has proposed new regulations that could let employers avoid Affordable Care Act employer mandate-related penalties by allowing them to reimburse employees for insurance they purchase on health insurance exchanges or the open market. The regulations are not yet...

HDHP Enrollees More Likely to Consider Costs and Quality

HDHP Enrollees More Likely to Consider Costs and Quality

A new study has found that people enrolled in high-deductible health plans (HDHPs) actually are more likely to consider costs and quality when considering non-emergency care. The 14th annual “Consumer Engagement in Health Care” study by the Employee Benefits Research...

Despite Ruling That ACA Is Invalid, the Law Stands for Employers

Despite Ruling That ACA Is Invalid, the Law Stands for Employers

A ruling by a U.S. District Court judge in December 2018 that the Affordable Care Act is unconstitutional is not expected to stand but, if it does, the moves that have been made in the health insurance space to reduce costs, deliver better care outcomes and make the...

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...