Cost Containment Strategies

Most employers do not have unlimited resources to pour into employee benefit programs.

This section explores ways to limit your liability and develop a sustainable benefit plan design. Don't forget to communicate the rational for limitations.

Fraud and abuse can undermine your efforts to contain costs. Forgiving a coinsurance or backdating a claim is insurance fraud and should be prosecuted. In most jurisdictions, adjusting fees or services based on the existence of insurance is considered abuse. Dental complaints should be filed with the Royal College of Dental Surgeons that regulate dentist within the province.

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