Articles

A joint replacement at a local inpatient hospital can cost your plan $45,000 or more. The same procedure through a Center of Excellence with bundled ASC pricing runs closer to $18,000. For a 300-life plan, that gap is worth building a program around.

For manufacturers with 200+ employees, direct primary care and on-site clinics can deliver documented two-year ROI exceeding 130% by cutting ER utilization, absenteeism, and pharmacy costs simultaneously.

When employees don't understand their health plan, they make worse decisions that undermine the actuarial assumptions behind your plan design. That's not an HR communication gap. It's a direct hit to your plan budget.

Illinois CFOs are leaving FICA savings and cost containment on the table by under-designing HSA programs. Illinois-specific recordkeeping rules add penalty exposure most mid-market employers don't know they have.