The Phia Group Blog

By: David Ostrowsky While we’re soaking up the final weeks of summer, the fall—i.e., health plan open enrollment/renewal season—is quietly sneaking up on us. As a prelude to every healthcare broker’s and administrator’s favorite time of year, The Phia Group…

By: David Ostrowsky At first blush, America’s now decadeslong healthcare affordability crisis stems from such well-known culprits as inflated prescription drug prices, rampant administrative waste, and escalating deductibles and premiums. While these are all contributing factors, a more nuanced assessment…

By: Andrew Schulz, Esq. Illinois has presented a unique interaction between federally based health plans and the state common fund doctrine. This includes plans established under the Employee Retirement Income Security Act of 1974 (ERISA) and the Federal Employee Health…

By: Kendall Jackson, Esq. It is no secret that one perk of having a self-funded ERISA plan is ERISA preemption. It acts as a comfortable boundary between ERISA plans and state insurance law, effectively eliminating a state’s control over an…

By: The Phia Group Fiduciary liability tied to final level appeals has never posed a more significant risk for the stewards of self-funded health plans. As we speak, self-funded plans across the nation are staring down medical claims for hundreds…

By: The Phia Group The Independent Dispute Resolution (IDR) rules may be constantly in flux while the No Surprises Act (NSA) flummoxes health plan sponsors nationwide, but Phia Unwrapped continues to be an unparalleled solution for countering devastating out-of-network and…