The network of providers available to you is a separate issue from whether your company manages the risk or an insurance company does. Didn’t mention anything about provider networks.
> The network of providers available to you is a separate issue from whether your company manages the risk or an insurance company does
What I'm saying is, my company manages the risk. We partner with a larger insurer company that provides A) network B) specialists for the roles you've claimed a company would normally hire. Because of this we don't have inside actuaries and specialists and such. As a result, there is no inside man looking at my claims.
I will ask for for a third time, have you experience that differs here?
What you’ve described is the self-insurance model for large companies. That doesn’t conflict with any of my earlier comments. Companies can decide whether they want to administer it internally or use a consultant.
You seem to believe that just because a company uses a consultant that no one in HR or Finance or management would be privy to viewing your claims history via the consultant? Not sure what would lead you to believe that. Just because your company is outsourcing the task doesn’t mean it is shielded from the data.
