Hospitals overcharge employer-sponsored plans via their health insurance carriers to "cross-subsidize" the Medicare underpayments, and employer-sponsored health plans are stuck in the middle of this back-and-forth .
Non-adherence – the term for not taking medications as prescribed – is a huge problem: Here are 3 strategies for lowering employee out-of-pocket costs – and preventing unnecessary hospitalizations.
Making the move from being fully insured to a self-funded plan allows employers to leverage pharmacy benefit managers to help employees buy their medications at significantly reduced prices.