Phia Group

Living in the Now: Prepare for 2018

On November 14, 2017
A new year is approaching, and we are in the middle of renewal season; meaning it’s time for some serious preparation. Making sure your clients are cared for is no easy task; are you prepared to protect your plans, save them money, and grow your own business in 2018?

Best Practices for Today's Plan Documents

On October 17, 2017
There’s a reason the law governs how plan documents must be formed and distributed – and it’s that the plan document remains the be-all-end-all of the plan’s and member’s rights. For this reason, it is crucial to ensure that the plan document is compliant to a T, is clear and comprehensible, and is able to contain costs.

It’s Time To Renew – Revisiting Stop Loss Trends

On September 21, 2017
It’s that time of year again – renewal season! What is often overlooked is the type of stop loss carrier to partner with for the next plan year. Stop loss choices are often made just on the premium cost, however plans should look at more than just the price. Stop loss is something most self funded benefit plans rely upon to ensure their financial viability and long term success.

A True Impact on the Bottom Line – Identifying Current Issues, Implementing Solutions & Seeing Results!

On August 22, 2017
The Phia Group’s legal team frequently addresses the biggest issues impacting the health benefits industry today. Join them as they dissect the conflicts threatening every entity involved in the business of health benefits, and share real life examples of clients who implemented forward thinking solutions… and those that didn’t.

Consulting Headlines – The Hottest Topics in Benefit Plan Administration

On July 13, 2017
Extra! Extra! Have you heard the news? Laws are changing, regulations are shifting, and benefit plans are scrambling to keep up.

A Network by any Other Name

On June 22, 2017
PPOs, EPOs, HMOs… The days of simple network categories is past. Today, innovative providers are offering up-front transparent pricing, subscription-based direct primary care (DPC), value based pricing, ACOs, medical tourism, international prescription plans, on-site clinics, telemedicine and direct contracting with “centers of excellence.”

The Double-Edged Sword of Discretion: How Even Great Plan Document Language Can Cause Gaps in Coverage

On April 27, 2017
Nearly all Plan Documents have some mention of discretionary authority. The ability to interpret the terms of the plan is necessary to receive deference from the courts, and is needed since not every conceivable scenario can be planned for within the plan document.