STRATEGY Switched PBMs and PPO networks to provide deeper discounts
RESULTS Saved the client over $1.1M—a 17.2% decrease.
Client
A township consisting of local government and the fire department, with around 235 employees
Challenge
They were facing extremely high medical claims expenses. They needed to identify the source of the increase and implement a strategy that balanced cost control with employee coverage and care. They turned to Apex’s specialized team to implement strategies that would halt their rising costs.
Strategy to Outcomes
Year 1
Year 2
STRATEGY Introduced a high-deductible health plan with an HSA.
RESULTS Expanded benefits through tax-advantaged HDHP accounts.
Year 3
STRATEGY Negotiated with the stop-loss carrier to reduce liabilities.
RESULTS Risk reduction saved the client $760k.
Year 4
STRATEGY Leveraged claims data and clinical expertise to modify risk profile and reduce stop loss premiums.
RESULTS Reduced cost by $320k.
Year 5
STRATEGY Negotiated with the reinsurer to reduce renewal rates.
RESULTS Saved the client $314k.
Results
- Total PEPM benefits spend has decreased by 18% over the 5-year relationship.
- The market health care trend increased by 37% over the same period.
Case Study
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