One of the biggest concernsaround reference-based pricing for brokers andemployers alike is the potential that employees may be balancebilled.
Often, the argument goes something like this: With no negotiatedrates, hospitals are just throwing the chargemaster price atemployees, who are effectively left uninsured and staring downthousands, or hundreds of thousands, of dollars in medicalbills.
Who wouldn't stay fully-insured after hearing that? What brokerwants to present that strategy to a prospect?
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