Ryan Health的动态

?? The Healthcare System Needs Us All to Step Up ?? I was inspired by Josh Butler's post this morning. The last few months, I have encountered many interactions with doctors, hospitals, and employers that are averse to even listening about a different way of approaching healthcare. Our healthcare system is dysfunctional and change requires action from everyone. ?? Doctors & Hospitals express frustration with health insurance companies but hesitate to contract with lesser-known, innovative health plans. The result? Countless calls each week reassuring providers that these plans will pay them fairly and on time. ?? Brokers/Advisors Big-name BUCA plans may dominate the market because they’re recognizable and lucrative, but are they truly meeting your clients' needs? It’s time to explore and offer alternatives that solve long-standing problems—high costs, poor benefits, and denied claims. ?? Employers are frustrated with rising premiums, high deductibles, and plan limitations—yet many hesitate to move away from traditional plans. Fear of the unknown can paralyze decision-making. Instead, we can help you be the leader who embraces new, effective solutions. Great health benefits aren’t defined by logos; they’re defined by outcomes. ?? Change starts with all of us. We all have a role to play in breaking this cycle. Doctors: Be open to working with plans that align with your needs and values. Brokers: Lead the way by championing health plans that address real frustrations. Employers: Dive into the options that can truly transform your benefits strategy. Innovation is here, but it’s waiting on us to embrace it. Let’s make it happen. ?? #HealthcareInnovation #EmployeeBenefits #HealthcareChange #Leadership

If you want to connect with your customers and help them find better coverage, then agents and brokers need to dive a little deeper during Open Enrollment. Building rapport with your customers takes time. But once you make that magic happen, they’ll trust you to help them navigate enrollment and beyond. Not sure where to start? We’ve got you covered. Here are 10 great questions to ask your customers this enrollment season: ? #Coverage Start with the basics. What do your customers have now – and importantly, do they like it? Learn more about what your customers are looking for before diving into recommendations. What kind of coverage do you have right now? Do you need dental, vision or other kinds of coverage along with medical? Any preferred providers or hospitals? #Health needs Knowing your customers’ health needs will help you narrow down options and find a plan that covers what they need. Don’t be afraid to get a little personal, as long as you explain why you need the info. Any changes to your health needs in the last year? Will you need any major medical care in the next year? How often do you need medical care, on average? Any regular prescriptions? #Finances Cost is a major deciding factor, so don’t shy away from asking customers about their income, budget and even travel needs. For example, not all health plans cover wide networks, so people who travel regularly will need coverage with a broad network to save on costs. Do you travel regularly? What’s your budget for premiums and out-of-pocket costs? Estimated income for next year? Let’s calculate your subsidy eligibility. Remember – this fact-finding mission is designed exclusively to help your customers get better coverage that works for their health needs and budget. For more tips on Open Enrollment and beyond, check out your agent newsletter each month or reach out to your regional sales team. And head over to https://lnkd.in/eWXTASrB for brochures and other agent marketing materials to make this enrollment season a success. #OpenEnrollment2025 #agentresources #customerservice #healthinsurance #insurance #agentsandbrokers

?Are you going to continue to run your business with your head in the sand when it comes to the importance of quality employee benefits? As per the FT’s article, Britons are turning to the private market to access quality and prompt healthcare. Spending their own money dojng so in some cases. As a responsible employer, if your people are your priority, then you need to prove it. Putting private health insurance (or similar equivalents) in place can be the difference for your business and your hiring opportunities, staff retention, etc etc. It isn’t one-size fits all, whatever you feel would work best for you workforce, in your field, we can find the solution together. Get in touch and get up to date with what’s going on out there!

Ensuring that your benefits package genuinely resonates with your employees and meets their needs involves consideration of the following things: 1. Affordability of the coverage. It’s so important that employees can manage the cost of their health insurance from their regular paychecks, whether paid monthly or bi-weekly. Additionally, the out-of-pocket costs when they use the insurance, such as copays and deductibles, should also be affordable. This makes it easier for them to seek care when needed without financial stress. 2. Network access. Employees greatly value being able to continue seeing their preferred doctors and using their chosen hospitals. If your offered plans force them to switch providers, it could be a significant deterrent. It might lead them to seek compensation elsewhere or incur additional expenses to buy an individual plan that covers their preferred doctors. 3. Variety of plan options. This is particularly important for employees who might have chronic conditions or specific healthcare needs. They’ll be considering whether they can afford regular medical procedures, necessary scans, and medications under your plan. Without the right coverage options, potential new hires might think twice about accepting a job offer, and current employees might feel undervalued. By focusing on these aspects—ensuring the plans are affordable, include preferred providers, and offer a range of options—you not only enhance employee satisfaction and well-being but also position your company as a caring and desirable place to work. #SmallBusinessBenefits?#EmployeeWellbeing?#SmallBusinessTips?#EmployeeBenefits #InNetwork #BenefitsPlans #AffordableHealthcare #CaliforniaInsurance #ElDoradoCounty #EDCBusiness

I’m incredibly grateful and excited to represent BetterHelp Business in sponsoring and participating with the Purchaser Business Group on Health (PBGH) Annual Summit today in Austin, TX. Having been in healthcare since graduating college in 1999—across roles as a vendor, consultant, and consumer—I’ve witnessed firsthand the urgent need for meaningful change within the system. My journey has also been shaped by my own experience in the recovery community and managing my own mental health since 2003, which has deepened my understanding of the challenges we face and the steps needed to make progress. ? Supporting and deploying innovative, preventive care models that can help offset the rising costs of healthcare premiums is a critical responsibility for employers and business leaders. This was one of the driving forces that led me back to the carrier side of the business years ago, where I’m proud to be working with BetterHelp & BetterHelp Business to help drive that change. Having navigated both the healthcare insurance landscape and my personal mental health journey, I’m now seeing the tangible ROI from investing in mental health, particularly in the early, preventive stages. These solutions are proving to reduce downstream medical claims and deliver long-term value for employers and employees alike. It's clear that aligning care with what employees are actually willing and wanting to spend their hard-earned income on—healthcare premiums—is key. This financial stewardship, as defined by ERISA, must be central to how organizations and their consultants evaluate and implement benefits year after year. ? PBGH is bringing together the right people, ideas, and discussions to drive this change, and I’m truly impressed by the caliber of dialogue and content here today. #preventivecare #consumerdrivenhealthcare, #mentalhealth, #mentalhealthawareness, #employeebenefits, #mentalhealthishealth, #endthestigma #healthcareconsulting #healthcareconsultant #populationhealth

“Not Medically Necessary”: Inside the Company Helping America’s Biggest Health Insurers Deny Coverage for Care Reporting Highlights Dialing for Dollars:?America’s largest insurers hire EviCore to make decisions on whether to pay for care for more than 100 million people. “The Dial”:?EviCore uses an algorithm that allows it to adjust the chances that company doctors will screen prior authorization requests, increasing the possibility of denials. Lucrative Deals:?Some EviCore contracts are based on how deeply the company can reduce spending on medical procedures. It tells insurers that it can provide a 3-to-1 return on investment. This demonstrates the "for profit" mentality of health insurers putting profits and shareholders' and Csuite's interest first over its members and their care. Statements from payers such as : EviCore says it scrutinizes requests to make sure that procedures recommended by doctors are safe, necessary and cost-effective. “We are improving the quality of health care, the safety of health care and, by very happy coincidence, we’re also decreasing a significant amount of unnecessary cost,” an EviCore medical officer?explains in a?video produced?by the company. Then we have the same payers suing CMS for star ratings that take away form their profits. What other industry can operate this way, taking care of their C suites in the name of profit, short changing beneficiaries and providers and remain in business #profitsfirst, #patientcare, #denialofcare, #criminals, #crooks https://lnkd.in/eBbAp7rC

This is the future of healthcare and it's here today, so nothing "future" about it anymore. For physicians and facilities, setting up direct contracts is commonplace now, creating that closer relationship with the payers and their members/patients. I have done direct contracts all over the country for many years, and more and more independent practices and facilities are doing it. #DirectContracts #FreeMarketHealthcare #BypassBUCA #DirectToEmployer

Attract Top Talent with Premium Healthcare Benefits In today’s fiercely competitive job market, salary alone isn’t enough to attract the top talent you need to drive your business forward. Today’s workforce is looking for security, and health insurance is at the top of their list. Offering comprehensive and affordable healthcare benefits can set your company apart, making it a magnet for high-caliber professionals who are looking for more than just a paycheck. Our plans are carefully crafted to meet the diverse needs of both your business and your employees. By providing them with access to top-tier healthcare options, you show that you value their well-being, which in turn fosters loyalty and commitment. This isn’t just about benefits; it’s about building a culture where your employees feel cared for and supported. Ready to make your company the employer of choice? Let’s elevate your employee benefits together and create a workforce that’s motivated, engaged, and ready to take your business to the next level. ?? #EmployeeBenefits #Healthcare #AttractTopTalent

Small employers are increasingly turning to self-funding options like group medical captives to provide competitive group health coverage to their employees. Why? These alternatives offer potential savings compared to traditional fully insured coverage in the small-group market. While state policymakers and regulators may have concerns about cherry-picking and cost structures, small employers are reacting to the rising costs of healthcare by seeking out more affordable solutions. The shift towards self-funding reflects the need for more robust and transparent options in the current insurance market. Got questions? Reach out to us at #Roundstone! #HealthcareCosts #GroupMedicalCaptives #LevelFunding #AffordableCoverage

?? ?????????????????? ?????????????????? ?????????????? ???? ??????????: ?????? ????????????’?? ?????????????????? ?????????????? – ???????? ?????? ???????????? ???????? ?? Reports suggest CVS Health may explore a breakup, which could impact Aetna, a vital part of CVS's integrated health model. ???? ???????? ???????? ?????????? ?????? ??????: ?? ?????? ????????????????????????????: ??CVS's acquisition of Aetna aimed for efficiencies, but financial pressures may lead to changes. ??A breakup could affect Aetna’s operations and its pharmacy benefit management through Caremark, impacting employee access and costs. ?? Stay informed about potential changes and their effects on your health insurance strategy. For details, read Wendell Potter's article: CVS Health Eyes Breakup: A Reckoning for Corporate Health Care's Vertical Empire (Oct 11, 2024). ???? ?????? ???????? ?????????????????? ?????????? ???????? ???????????????? ????????, ???????? ???????? ???? ?????????? ??????! #Aetna #CVSHealth #Employers #HealthInsurance #PBM #HealthcareNews #CorporateStrategy #Pharmacy #Insurance #CFO #CHRO #HR #Totalrewards #CPO #CEO