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Koster is a Los Angeles-based freelance writer and former Employee Benefit News online managing editor.
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In addition to finding success with a self-funded model, an in-house program gives Fello's employees access to cost-free primary and urgent care.
Gap coverage, supplemental benefits and options for various types of workers can help avoid cost shifting and still provide support.
If benefits aren't actually being used, understood and genuinely valued, then no amount of volume covers that gap.
At a time of never-ending health benefit cost increases and fiduciary lawsuits, it has never been more important to ensure that claims are paid correctly.
The practical takeaway is to treat data-sharing requests as a risk-allocation exercise, not just an operational convenience.
