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Many companies are large enough they self-insure—they take on the financial risk of paying for their employees’ health expenses. In these cases, there is no insurance company around to negotiate prices. Instead, your employer must bring itself to the negotiating table (or maybe, these days, to the negotiation-Zoom-room?). That might mean that your costs, including…
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American healthcare is ridiculously expensive.
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How is a physician supposed to know which medicine is most affordable under which insurance plan?
Fortunately, there are tools coming into use designed to help clinicians figure out patient-specific costs of any medication they prescribe. The tools (jargon alert!) are called RTBTs, for real-time benefit tools.
