Sydney Little

Dental coverage is one of the few benefits where the numbers are almost universally clear — and yet employers keep making the same avoidable mistakes. Premiums look stable. Renewals get waved through. Another year passes without anyone looking at what's actually happening inside the plan. Then a CFO pulls the claims data and discovers that a growing share of employees hit their annual maximum, provider reimbursement costs are climbing, and the plan that looked fine on paper is quietly...

Raising the deductible on your group health plan feels like a clean win: lower premiums, immediate budget relief, problem solved. For CFOs and HR directors at nonprofits and senior care facilities, that logic breaks down fast. When your workforce includes direct care aides, case managers, and support staff who use healthcare regularly, a poorly calibrated deductible can quietly erase every dollar saved on premiums — and then some. The math looks right on paper until the turnover numbers come...

Raising the deductible on your group health plan feels like a clean win: lower premiums, immediate budget relief, problem solved. For CFOs and HR directors at nonprofits and senior care facilities, that logic breaks down fast. When your workforce includes direct care aides, case managers, and support staff who use healthcare regularly, a poorly calibrated deductible can quietly erase every dollar saved on premiums — and then some. The math looks right on paper until the turnover numbers come...