At IntoValue, we enable provider organizations’ success with
direct-to-employer healthcare.

We are uniquely positioned to enable both providers and self-insured employers to improve employee health and the care experience, all while reducing healthcare costs.

Here, we share some of the most interesting recent thought pieces about innovations in improving employer-sponsored healthcare.

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EMPLOYER-SONSORED HEALTHCARE

Article | Fitch Ratings: Potential Medicaid Cuts Could Pressure Insurers

Self-funded employers may soon feel additional pain from increased rates for healthcare services unless action is taken to create new payment and care delivery arrangements. Fitch Ratings suggests that potential Medicaid cuts could pressure insurers. Significant changes to Medicaid, like per capita caps or work requirements, could pressure margins. Such pressure on insurers and provider organizations often results in price increases passed along to the commercial market. IntoValue helps provider organizations and employers define healthcare services at costs that are more manageable and transparent to both entities, while supporting employee health.

EMPLOYER-SPONSORED HEALTHCARE

Video | Employer Healthcare High Prices from Medicare Advantage

Self-funded employers often pay 20% to 500% more than Medicare reimbursement rates owing to contract bundling and cost shifting by health insurance companies. For example, a total knee replacement costs about $2,539 for a Medicare Advantage patient but may cost $50,000 for someone with employer-sponsored insurance. Because 65% of members in employer-sponsored plans are on self-funded plans, insurance carriers can raise rates without significantly impacting their own margins, shifting the burden to employers. Dr. Eric Bricker suggests that employers are increasingly turning to direct contracts with healthcare providers. Direct contracting can offer lower rates and better outcomes by avoiding the need to pad costs for low reimbursements from other payers. IntoValue helps provider organizations and employers negotiate and deliver healthcare at lower costs, with better outcomes, for employers.

DIRECT TO EMPLOYER SOLUTIONS

Article | The House is on Fire: A Call to Action for Orthopedic Surgeons

Not just limited to orthopedic surgeons, doctors are spending excessive time fighting insurers instead of treating patients. The result is patients and employees experiencing delays, denials, and increased out-of-pocket costs, leading to unnecessary suffering and financial ambiguity and hardship. Health insurers have transitioned from intermediaries to gatekeepers, often prioritizing profit over patient care through processes like prior authorization, a process used to deny care. Care delivery organizations can collaborate directly with employers to provide virtual, hybrid, and in-person solutions to address coordinated, whole person health - without the administrative burdens imposed by third parties. IntoValue can help practices regain clinical autonomy and reduce unnecessary administrative burden for employers and employees.

EMPLOYER SPONSORED INSURANCE AFFORDABILITY

Blog | How Affordable Is Job-Based Health Coverage for Workers?

Research from the Commonwealth Fund offers insights into the affordability of job-based health coverage for workers in the U.S. It highlights that while employer-sponsored insurance covers most Americans, the costs associated with it, such as premiums and deductibles, can be a significant financial burden, especially for those with low to moderate incomes. The study found that there is significant variation in the affordability of premiums and deductibles across the country. The authors suggest making it easier for employees with unaffordable employer-sponsored plans. IntoValue works directly with care delivery organizations to offer healthcare solutions to employers that help reduce costs and improve employee health and wellness.