Laying the Foundation for Drug Formularies By Michael Gavin Drug formularies hold great promise to control costs and improve treatment, but they must be phased in carefully, over years.
How to Make Data a Robust Medical Tool By Karen Wolfe In workers' comp, medical costs are more than 60% of claim cost and continue to climb, but rethinking how to use data can make inroads.
Analytics: Predictions Vs. Presumptions By Barry Thompson Predictive analytics encourage employers to fast-track many workers' comp claims, but they should presume problems are lurking.
Physician Dispensing: Costs, Consequences By Mark Walls Drug prices, under physician dispensing, have come down significantly after reforms but remain much higher than at retail pharmacies.
Absence Management: Work Comp's Future? By Peter Rousmaniere As workers' comp claims dwindle, providers should offer "absence management" -- handling loss of work time for any reason, not just injury.
After a Century, Is Work Comp Obsolete? By Jeff Pettegrew With so much contention appearing in what was supposed to be a no-fault system, is it time to redesign work comp from scratch?
What to Expect on Management Liability By Laura Zaroski The market has become tough for those buying management liability insurance -- and may get even tougher.
Do You Know Who Your Best Doctors Are? By Karen Wolfe Work comp treats physicians as equals, except for cost, but there are huge differences; the data will identify the best doctors.
The Promise of Continuous Underwriting By Bill Deemer Bobby Touran Typically, a risk is underwritten, bound... and forgotten. But new streams of data and automation allow for continuous underwriting.
Convergence and the Insurance Ecosystem By Stephen Applebaum Alan Demers Companies must anticipate the future, innovate beyond their core and transform their capabilities as rapidly as technology allows.
Lemonade's 'Synthetic Agent' Nonsense By Matteo Carbone Desperate for growth, Lemonade produces another howler: A lender receiving a 16% interest rate is presented as a (synthetic) agent.
Auto Insurance in an Existential Crisis By Stephen Applebaum Alan Demers The 125-year-old, $300 billion U.S. auto insurance industry is caught between runaway inflation and strained consumer wallets.