The current system by which employers pay for employee health care has been described as "irrational," "unsustainable" and "broken." At ELAP, we agree. American employers pay the highest health care costs in the world. These high costs are often paid through layers of intermediaries to medical providers with whom the employers never speak, under the terms of a contract the employers are not permitted to read and in accordance with bills that bear, at best, a tenuous relationship to the actual cost to deliver the service. Essentially, the parties paying for the care (employers, employees and, in the case of public sector clients, taxpayers) are marginalized in the very process they are funding.
ELAP offers a unique service that reduces your employee healthcare costs and saves your plan significant money. We are proud to take the lead in forging new and effective relationships between employers and medical providers with the outcome being lower costs and a direct relationship with medical providers that can serve as a platform to better quality care.
The ELAP program establishes pricing metrics within your plan document that incorporate the specific medical providers own reported cost structures. Consistent with ERISA and Department of Labor guidelines, we establish “allowable claim limits” that recognize the medical providers actual cost to deliver the service and allow a fair margin above that cost. All appeals by medical providers, contact of an employee by a medical provider or disputes relative to a payment amount are handled by ELAP.
ELAP works with employers to develop an understanding of what their plan is paying to medical providers, how that amount compares to other payment methodologies (i.e. Medicare) and how these payments contribute to the overall health and well being of the workforce.