Employer-Paid

Instead of conducting an investigation into each bill for medical expenses submitted by insureds, the insurer employs a Medical Bill Audit system designed to reduce the amount USAA pays for health care claims.

The American Medical Association passed a resolution supporting coverage for "evidence-based treatment of obesity, including FDA-approved medications without exclusions," which puts pressure on insurers and employers.

Congress is considering legislation that would equalize payments for certain services regardless of where they are provided, but for now, patients need to have doctors send the order to a commercial lab like Labcorp or Quest.

Since the FDA greenlighted Novavax last month, clinical studies claiming less fevers and fatigue have driven people with long COVID and chronic fatigue syndrome to seek out the protein-based vaccine.

Unaffordable medical bills, higher deductible health plans, and confusing billing statements have caused an increase in physical and mental health issues for a majority of insured Americans.

Heading into the new year, perceived coverage gaps, flexibility, and affordability receive more attention as companies weigh prioritizing value versus shifting costs.