Articles

One ESRD patient billed at commercial rates can run $400,000 to $600,000 a year, enough to breach a specific stop-loss deductible alone. Dialysis facilities break even on Medicare, so the profit comes from what your plan overpays.

The No Surprises Act left real gaps. Ground ambulance, PE-backed firms gaming IDR at 920% of market rates, and $5 billion in system costs since 2022. Here's where self-funded employees are still exposed and what to do about it.