When navigating the complex landscape of employee healthcare benefits, brokers are challenged to present options that differentiate more than 50 basis points between insurance carriers.
Many are stuck in the quagmire of selling only products that are available in marketplaces. But recycling the same solutions — notably those provided by BUCA plans (Blue Cross, UnitedHealthcare, Cigna and Aetna) — will not do much to contain costs or improve clinical outcomes. These plans offer little in terms of innovation, nor do they meet coverage needs as their costs continue to increase with no measurable difference in quality between them.
