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Where’s the Value in Healthcare Analytics?

In the ongoing effort to reign-in healthcare costs, two of the hottest areas garnering attention are health risk scoring and predictive analytics – both of which, when properly utilized, are extremely effective in identifying existing and emerging risks and targeting appropriate interventions. Generally, there are two types of health risk scoring used today: Clinical and financial. The first attempts to...
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How to Expand the Care Continuum for Reduced Costs and Improved Outcomes

You’re sitting at home (or in your office) and you’re just not feeling well.  What do you do? The traditional options are:  Wait and see, take your temperature, make note of any other symptoms you have and jump on the internet to diagnosis yourself.  If you’re more than a little sick, you might schedule an appointment with your physician (hoping...
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“Get Your Own Health Insurance Then! I’m Done!”

Employers are just plain worn-out by the annual renewal process.  And you might be surprised to know that health insurance carriers are too. Unless an employer gets a dream renewal, it takes a significant investment of time, effort and emotional energy to renew a healthplan.  And the carriers have to invest similarly in negotiations, rating alternative plan designs, assessing competitive...
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Medical Loss Ratios and Extreme Couponing

Recent articles have been celebratory:  “Millions of consumers and small businesses will receive an estimated $1.3 billion in rebates from their health plans this summer under a provision of the health care law that effectively limits what insurers can charge for administration and profits!” (AP). A great deal has been written lately about employers receiving rebates from health insurance carriers...
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Bread or Med™?

In 2003, the move toward High-deductible Health Insurance Plans (HDHPs) was given impetus by a provision in the Medicare Modernization Act granting tax preferences to funds set aside to pay for out-of-pocket medical expenses – conditional on enrollment in a plan having a minimum deductible of $1,000 for individuals and $2,000 for families. At the time, only 8% of privately...
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