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Stethoscope on money The four chief UM techniques cited in the report as potentially causing substantial problems for employees are prior authorization, step therapy, non-medical switching and copay accumulators. (Photo: Shutterstock)

Employers trying to achieve a balance between the health care coverage their employees need and efforts to control costs are increasingly putting pressure on employees, who are paying higher prices for less coverage and more obstacles. And that can be penny wise and pound foolish.

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Marlene Satter

Marlene Y. Satter has worked in and written about the financial industry for decades.

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