Making Sense Of Medical Loss Ratios


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Medical loss ratios is not all about health insurance profits

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So, how may your business become affected by the increased MLR? Your Medical Insurance Company — Many insurance companies have reduced staff in the past 12 months with some handing hundreds of employees their pink slips. This reduction in staff has resulted in fewer personnel to assist employees with issues such as claims processing, fielding service phone calls, or dealing with billing problems.

Medical-loss ratios of largest for-profit insurers

If you have, count yourself lucky. Insurance companies across the board have raised their premium rates and the increased MLR is a major reason why. New technology and pharmaceuticals are adding to the spending on physicians, hospitals, laboratories and other health care services.

We fret about these expenditures within the two-thirds of the insurance premium that actually makes it down to the health care system, yet we are ignoring the one-third that is wasted on administrative services that provide no health benefit for the patient.

We are enriching this industry for providing coverage for the healthy workforce and their young, healthy families, and for covering the healthy sub-sector of the individual insurance market. We taxpayers are footing the bill for the population subgroups with greater health care needs.

Medical Loss Ratio

We certainly are not receiving much value from the insurers - letting them have the easy stuff at a very high cost. You would think that anyone with a modicum of business sense would believe that keeping them in charge is no longer feasible.

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Making Sense Of Medical Loss Ratios
Making Sense Of Medical Loss Ratios
Making Sense Of Medical Loss Ratios
Making Sense Of Medical Loss Ratios
Making Sense Of Medical Loss Ratios
Making Sense Of Medical Loss Ratios
Making Sense Of Medical Loss Ratios
Making Sense Of Medical Loss Ratios
Making Sense Of Medical Loss Ratios

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