"Insanity: doing the same thing over and over again and expecting different results"

Albert Einstein

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The Insanity

Purchasing group health insurance often matches Einstein's definition of insanity. For employers continuing to run their group health plans the same way year after year, renewal time spawns disgust, anger, disbelief, and helplessness. When carriers pass along double-digit premium increases employers can only shake their heads, sign the offer agreement, or shop around.

The Frustration

No employer wants to keep moving from plan to plan year to year. It's a lot of work and employees experience the "here we go again" fear of changing plans means lesser benefits. So, at renewal time, you ask your insurance carrier, "Why such a big premium increase?" More than likely the response is a vague reference, in one form or another, to increased utilization by your employees. You may then ask for detailed claims payout information as tangible evidence of the increased utilization on which the premium hike is based. Did the insurance company provide it?

The healthcare industry has changed little. The typical insurance company does not manage claims, they process paper, caring less about the money you're spending on providing health insurance to your employees. If a high percentage of your premium payments go toward claims incurred by your employees, then next year's premiums will increase by an even higher percentage.

DEPHI CARD® is a game changer.

We provide employers and employees with necessary information to effectively manage healthcare dollars. We can reduce healthcare expenditures by 10% - 35% without changing the benefits and at the same time improve the health and well being of members.

Employers

  • experience reduced healthcare costs & increased profits.
  • benefit from healthier more productive employees.
  • manage costs with more predictability.
  • access pertinent health cost information.
  • partner with employees in helping to reduce costs.

Participants

  • play an active role in healthcare decision-making process.
  • help reduce escalating health insurance premiums.
  • work with providers they choose to get health care they need.
  • manage costs by making informed healthcare decisions.
  • receive value whether they are sick or healthy.
  • can utilize an HSA or an HRA.
  • participate in wellness programs that lead to healthy lifestyle.