Frequency and severity of large claims are on the rise as the cost of medications and treatment continues to increase. Large claims are also more likely to be ongoing and have repeated high annual costs. These factors, combined with the elimination of lifetime claim maximums under the Affordable Care Act (ACA), have created disruption in the normally sleepy stop-loss world.
As stop-loss carriers respond by shifting the burden onto employers, this eBook will discuss these issues and explore how self-insured employers can prepare for the rising cost of large claims and protect their existing stop-loss coverage
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Risk management and human resources are traditionally two different job functions, and the people in these areas have rarely crossed paths — but that is changing.
Why are these people starting to work together more frequently?
In the ongoing battle to contain costs, employers are always looking for tools, old and new, to help keep their healthcare spending in check. One approach is healthcare consumerism — but too often consumerism is discussed as just another plan design option and many employers are hesitant to implement this cost-saving strategy.
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