Coverage, Claims and Caveats
Industry musings from Benefit Sculptor’s founder
Featured
Industry musings from Benefit Sculptor’s founder
We discuss the advantages of enrolling in an employer’s health insurance plan versus purchasing one on your own. The conversation addresses four key decision factors: the number of plans available, cost differences, employer incentives and tax considerations.
This video blog explains how insurance companies contract with doctors and negotiate payments. We further discuss the effect this has on "in-network" versus "out-of-network" costs.
Dual coverage is having more than one health insurance policy. The rules for managing dual coverage include coordination of benefits, which significantly affect how much "extra" coverage you actually get.
This post explores some of the reasons why prescription drug costs are so high—and offers suggestions for lowering them.