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Problem Our Ohio-headquartered client with a workforce primarily located in North Carolina acquired a company based in Texas. The employees at the North Carolina location were provided a low-benefit, minimum essential coverage medical plan. However, the Texas location offered more traditional medical plans and generous ancillary benefits. Our client hoped…

Problem An Oswald client faced the challenge of identifying the source of their skyrocketing medical costs. At the same time, they experienced extremely high medical benefit drug charges due to the network paying a percentage of charges that the outpatient facility determines. Solution Our analytics advisors and service team worked…

Problem A commercial real estate company had an incentive-based program that rewarded employees for going to their physician, being tobacco-free, and providing choices to learn and participate in mutually essential activities. The company highly valued preventive screening and early detection, and they wanted to provide additional resources for employees when…

Problem: Egregious mark ups on Medical Specialty Drugs, aka J-codes/white bagging An existing client, a large nonprofit with 6,000 employees, was faced with an unusually high renewal proposal due to a very high-cost medical specialty drug. They had an employee with a chronic condition who had been receiving this expensive…

Situation A Midwest private equity firm with 10 portfolio companies was in a fully insured, pooled benefits program that Oswald built with BlueCross BlueShield. While each company could design its own health insurance plan, claims risk was spread over the volume of the pooled population. Although pooled programs are still…

Situation A large private equity firm with 23 platform companies was closing on an average of 10 new companies each year. With thousands of employees, they needed a better way to manage health benefits. Oswald dedicated a team to this client, as the service needs of the client and their…

January health insurance renewals will be here before you know it. As the employer, you can make sure you’re getting the best coverage for your employees and avoid any unexpected costs or gaps in your insurance. Just follow these steps: Review your current group plan: Coverage and benefits: Does your current…

Premium allocation In a fully insured plan, 100% of the premium dollar goes to the carrier, which pays the claims and manages the plan. In a self-insured plan, up to 87 cents of each dollar covers claims. The remainder covers reinsurance and administrative fees. There are two types of reinsurance…

Approach Could Save Employers Money Medical treatments are moving away from the one-size-fits-all approach to personalize illness prevention and treatment. Implementing this strategy improves the member experience and can help save employees and employers money on medical care. Precision medicine considers the unique differences in a person’s genetic makeup, environment…

The Greater Cincinnati market is changing rapidly as a result of organic and acquisition growth. Many of our locally headquartered companies (Kroger, Community First Solutions, Heartland Bank) have become increasingly acquisitive in recent years and the area is primed for many more transactions to come. Whether you are already involved…