Summit Health Insurance Services, Inc.

10/15/2026

Open Enrollment doesn’t have to feel overwhelming.
📅Plan changes. Costs change. Employee needs change too.

Summit Health Insurance Services helps employers prepare for Open Enrollment with clear communication, thoughtful plan guidance, and hands-on support for HR teams and employees.

Because a smoother enrollment experience starts well before the enrollment window opens. simplysummit.com

10/14/2026

Are employees really getting the most out of their benefits?
✔️A recent report reveals that nearly 8 in 10 employees spend an hour or less reviewing their open enrollment options, and only 28% feel adequately protected.

For employers, these findings highlight the importance of clear communication, benefits education, and a smooth open enrollment experience.

At Summit Health Insurance Services, we help take the hassle out of healthcare by guiding employers through the benefits process and helping employees better understand their options.

Read more about why employee benefits education matters:
https://www.insurancebusinessmag.com/us/news/benefits/nearly-eight-in-ten-workers-spend-an-hour-or-less-on-open-enrollment-and-just-28-feel-protected-593449.aspx

BenefitHub’s survey of nearly 13,000 workers finds 45% consult no one, while EBRI says plain-language explanations lift interest in supplemental cover

10/07/2026

How Chronic Conditions Are Driving Healthcare Spending
➡️Chronic conditions are no longer just a clinical concern; they are one of the most powerful forces shaping the U.S. healthcare system and its rising costs. Chronic conditions such as heart disease, cancer, diabetes, Alzheimer’s disease, and mental health conditions impact millions of Americans, requiring continuous care, treatment, and support over time. Read full article here: www.simplysummit.com/resources/2026/10/5/how-chronic-conditions-are-driving-healthcare-spending

10/01/2026

5 Plan Design Tactics to Address Healthcare Spending - BLOG https://www.simplysummit.com/resources/2026/8/13/5-plan-design-tactics-to-address-healthcare-spending
➡️5. High-performance Networks
High-performance networks direct members to a curated set of providers identified as delivering superior value, defined as a combination of clinical quality and cost efficiency. Cost-sharing is used to incentivize in-network utilization. For example, members who access designated providers face lower or no out-of-pocket costs, while those who seek care outside the network bear greater financial responsibility.

Read Blog for more ✔️

09/29/2026

5 Plan Design Tactics to Address Healthcare Spending - BLOG https://www.simplysummit.com/resources/2026/8/13/5-plan-design-tactics-to-address-healthcare-spending
➡️4. Reference-based Pricing
Reference-based pricing (RBP) is a strategy that employers with self-insured health plans can use to lower costs by capping plan payments for specific healthcare services. Unlike traditional strategies, which base payments on providers’ billed charges, RBP uses a benchmark—or reference price—as a fixed payment amount. In general, a health plan with RBP will only pay the reference price for a specific healthcare service, regardless of who the provider is, where it is located or how much it charges. If a provider’s charge exceeds the reference price, the covered individual is generally responsible for paying the difference out of pocket, since the plan's payment is capped at the established benchmark. As a reference price, plans with RBP often pay providers at a percentage above Medicare’s payment for the same service (e.g., 140% of Medicare), based on what is reasonable for the local healthcare market.

Read Blog for more ✔️

09/24/2026

5 Plan Design Tactics to Address Healthcare Spending - BLOG https://www.simplysummit.com/resources/2026/8/13/5-plan-design-tactics-to-address-healthcare-spending
➡️3. Specialty Prescription Carve-out
pecialty drugs represented 54% of total U.S. drug spending in 2023, according to the IQVIA Institute for Human Data Science. However, specialty drugs (e.g., biologics, oncology therapies and gene therapies) account for a majority of total drug spending despite serving a relatively small patient population, underscoring their outsized impact on benefit budgets. This concentration of costs makes pharmacy benefit design one of the highest-leverage areas for employers.

Read Blog for more ✔️

09/22/2026

🍂 Happy First Day of Fall!
A new season is a great time for a fresh start. As routines change and we head into the final months of the year, it’s a good reminder to prioritize your health, schedule preventive care, and make the most of your employee benefits.

Here’s to a happy, from all of us at Summit Health Insurance Services! 🍁

09/18/2026

5 Plan Design Tactics to Address Healthcare Spending - BLOG https://www.simplysummit.com/resources/2026/8/13/5-plan-design-tactics-to-address-healthcare-spending
➡️2. Direct Primary Care
Direct primary care (DPC) is a structural departure from the traditional fee-for-service model. Under a DPC arrangement, an employer pays a flat monthly fee, typically between $50 and $100 per enrolled member, in exchange for unlimited access to a primary care physician. The model eliminates claims processing for primary care visits entirely, reducing administrative friction and removing financial barriers to routine and preventive care.

Read Blog for more ✔️

09/16/2026

5 Plan Design Tactics to Address Healthcare Spending - BLOG https://www.simplysummit.com/resources/2026/8/13/5-plan-design-tactics-to-address-healthcare-spending
➡️1. Centers of Excellence
Centers of excellence (COE) are high-volume, specialized facilities that have demonstrated superior clinical outcomes for specific procedures. Since these institutions perform a given procedure on a significant scale, they are often able to negotiate reduced facility rates while delivering fewer complications and shorter recovery times.

Read Blog for more ✔️

09/09/2026

𝐖𝐞𝐥𝐥𝐧𝐞𝐬𝐬 𝐢𝐬𝐧'𝐭 𝐣𝐮𝐬𝐭 𝐚𝐛𝐨𝐮𝐭 𝐜𝐨𝐬𝐭 𝐜𝐨𝐧𝐭𝐚𝐢𝐧𝐦𝐞𝐧𝐭.
➡️It's about building a workforce that stays, grows, and performs.
Healthy employees help build healthy organizations.
simplysummit.com