| Benefit program cornerstone: Technology |
When you own the technology:
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You have choice, ownership and control of electronic payment of claims, |
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electronic access to discounts, electronic access to mail order programs and web access to advocacy. |
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You take advantage of employee-based budgeting systems and accounting |
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systems, multi-year comparative strategies, employer data collection and mining, employer based actuarial analysis. |
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| When an insurance company owns them: |
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You are subject to factors such as doctor networks, compliance, and payment |
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of vendors, discount formulas, referral systems, audit systems, banking systems, drug cards, drug company negotiations, formularies and more. |
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