Your Employees' Healthcare Decisions Are Costing You Thousands

When an employee needs healthcare, they're often on their own to figure it out.

Where should they go?

How much will it cost?

Is this provider in-network?

What about that imaging center down the street?

Without clear answers, people make their best guess. And those guesses add up fast.

Where Uncertainty Leads

Most employees aren't healthcare experts. They're trying to balance their health needs with their work, their family, and everything else on their plate. So when something comes up, they go with what feels easiest or most familiar, even if it's not the best option.

Here's what that often looks like:

• ER visits for non-emergencies. When someone isn't sure where to go, the ER feels like the safe choice, even for issues that could be handled elsewhere.

• Wrong facility choices. Not all hospitals or imaging centers charge the same rates. Without guidance, employees end up at high-cost facilities when lower-cost options would work just as well.

• Out-of-network surprises. An employee thinks their provider is covered, only to find out later they're not. Now they're stuck with a bill they weren't expecting.

• Unnecessary procedures. Without a second opinion or clear information, employees may agree to tests or treatments they don't actually need.

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Each of these decisions affects your claims. And when claims go up, so do your premiums.

Most Navigation Programs Miss the Mark

Many plans offer navigation tools: apps, websites, phone numbers to call. The problem is, these tools still put the work on employees. They have to search for providers, compare costs, call around to check availability, and figure out what their benefits will actually cover.

That's not navigation. That's homework. And most people don't have the time, energy, or knowledge to do it well.

Doing the Work for Employees

Real navigation means doing the work for your employees, not asking them to do it themselves. That's where having actual people on their side makes all the difference.

When employees have a team helping them, here's what happens:

Someone reviews what's needed.When a procedure requires pre-certification, someone handles that process and makes sure everything is in order before the appointment.

Someone finds the right provider.Instead of guessing, employees get connected to high-quality providers who offer fair pricing. No research required.

Someone explains the costs upfront.Employees know what they'll pay before they walk in the door. No surprises, no confusion.

Someone helps with scheduling.Calling around to find availability, coordinating with the provider, making sure everything is set up? That's handled for them.

Someone resolves billing issues.When a bill doesn't look right or something gets coded incorrectly, employees have someone who will work through it on their behalf.

Every step is taken care of, so employees can focus on getting the care they need instead of figuring out the system.

Why Personal Support Matters

Better choices lead to lower claims. Lower claims lead to stable premiums. And you get cost control that actually works, year after year.