Consumer Driven Health Care

As an advisor for employer-sponsored health plans, it won't be a question of if, but when, you will need to discuss VPC with your clients.

The following challenges help illustrate why voluntary benefits have been pushed to the forefront, the impact they have on employers and the role of benefits advisors in this new environment.

Judge Reed O'Connor of the U.S. District Court for the Northern District of Texas says one way that preventive services are selected for the no-cost coverage is unconstitutional.

These plans are often used to control premium costs, drive desired behaviors or to reduce the impact of a high deductible.

In reality, ICHRAs mean employees lose the employer-sponsored coverage they're accustomed to and have to fend for themselves to find substandard coverage with a fixed stipend that often doesn't go as far.

Insurers and pharmacy benefit managers have instituted policies that do not apply copay assistance toward beneficiaries' out-of-pocket costs and deductibles, according to the plaintiffs.