THAT’S JUST THE MARKET: How Employers Got Stuck Paying for Healthcare, and What They Can Do About It
Kindle Edition or EPUB + Converted PDF نویسندگان: Tess McCoy
جزئیات
فرمت: Kindle Edition or EPUB + Converted PDF تاریخ انتشار نسخه الکترونیکی : October 15, 2026
؟
لینک: https://www.amazon.com/dp/B0HN4HNTZS
575,000 تومان
زمان تحویل: حداکثر 24 ساعت
توضیحات
Your health insurance renewal just went up 14%. Do you know why?Every October, CFOs and HR leaders across America sit in the same meeting. The renewal is up again. The advisor says, “That’s where the market is.” Everyone picks a deductible, approves the increase, and does it all again next year.Tess has sat on every side of that table. She sold renewals at a national brokerage. She worked inside a major health system, where she saw what was billed, what was paid, and what patients owed, and watched prices jump 370% overnight after the organization was acquired. She worked on the captive side of the industry, where employers share risk with one another. Now she advises mid-sized employers on what they’re actually buying.Your Health Plan Has a Receipt is the book she wishes every employer had read before signing their last renewal.Written for CFOs, HR directors, and business owners, it explains in plain English where your healthcare dollars go and who gets paid along the way:Why “medical trend” isn’t an answer, and how to find out what’s really driving your increaseHow brokers, carriers, PBMs, and vendors are paid, including the incentives most employers never seeWhy a 60% network discount can still be a bad deal, and how hospital ownership changes what you payHow self-funding and group captives actually work, including the worst case, the cash flow, and when they’re the wrong choiceHow to fix your pharmacy benefit, from contract definitions to specialty drugsHow to prepare for the large claim before an employee’s diagnosis becomes a financial emergencyHow to oversee your plan like the major business expense it isThe book doesn’t promise a magic number. It’s honest about tradeoffs, candid about the industry’s conflicts of interest, including the author’s own, and clear about what employers can change, what they can negotiate, and what they need to prepare for.It ends with the Health Plan Pressure Test, a practical worksheet and 90-day plan you can bring to your next renewal meeting.Your health plan has a receipt. This book shows you how to read it.About the authorTess McCoy, MS, CEBS, CSFS, is a Consultant and Partner at Hotchkiss Insurance in Houston, Texas. She has spent more than thirteen years in employee benefits across brokerage, health system, captive, and consulting roles. She helps mid-sized employers move from fully insured coverage to self-funded, captive, and alternative funding arrangements, and creates the Health Plan Decoded video series.
575,000 تومان
زمان تحویل: حداکثر 24 ساعت