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Step Therapy

This is a term with which many of us are not familiar, but which represents a nightmare for us when it is applied to our health insurance claims.  So what does it mean and when is it applied? Step therapy is a protocol used by insurance companies to determine whether...

But We Never Have Any Claims!!!

Do you feel like your company health insurance premiums are much higher than they should be?  You see neighbors and friends run to the doctor all the time, but you and your co-workers never seem to access care.  No doctor visits, no prescriptions, no emergency room...