Your company’s employee benefit program is considered Traditional. You may want to consider the following plan improvement strategies:

• Plan – Coinsurance vs. Copays
  
• Plan – Consumer-driven plan: HSA/HRA
  
• Rx – Implement carrier’s pharmacy management program
  
• Contributions – Greater % cost for dependents than employees
  
• Clinical –PCP Steerage
  
• Network – Introduce narrow network or Value-based network
• Quarterly program review including data analytics