Caravus

Pharmacy is now one of the fastest-growing areas of healthcare spending (now accounting for more than 20% of healthcare spend in the U.S.), and it's also one of the most difficult areas for employers to navigate.

When we talk with employers about their pharmacy strategy, I always come back to three things that I believe every PBM contract should include: 💊 📜

🔹 Transparency: To eliminate spread pricing
🔹 100% Pass-through: To capture any manufacturer rebates
🔹 Full audit rights: To ensure contract is being executed appropriately

These certainly aren't the only provisions that matter... but they're a strong foundation for understanding where your pharmacy dollars are going, and ensuring your PBM is working in your best interest. 👍

One of the biggest healthcare cost drivers often gets overlooked. And it's not plan design or contributions...

It's actually your provider network! 🏥

In this video, CEO J.J. breaks down:

🔹 The different types of health insurance networks
🔹 How network strategy affects healthcare costs
🔹 The tradeoffs between access, savings, and member experience
🔹 Why many employers are combining multiple network approaches to create more value

Network strategy has become one of the most important, and most complex... parts of health plan optimization.

Watch below to learn how today's network options can help employers balance cost containment with quality care. 👇

Medicare Supplement or Medicare Advantage... how do you choose?!

Both are great options, but they work very differently. It really comes down to your priorities:

Flexibility or bundled benefits?
Predictable costs or lower premiums?

Meredith Edwards, Director of Senior Markets here at Caravus, goes over the pros, cons, and everything in between in this video!

That “bill” from your health insurance provider in your mailbox?

It’s probably an explanation of benefits, and it’s way less intimidating than it looks.

This quick breakdown will help you actually understand what you’re seeing, and may even help you avoid paying more than you should!