• Cost-sharing (copayments, deductibles and coinsurance)
  • Health management and wellness
  • Other cost-control features (exclusions, subrogation, coordination of benefits, etc.) intended to curb utilization through various incentives and disincentives
  • Risk tolerance
  • Stop loss coverage to protect the plan against catastrophic and aggregate risk
  • Robust reporting to monitor plan expenditures and evaluate benefit utilization and trends
  • Regulatory compliance assistance
  • Provider negotiation services