Technology 

Technology has taken drug-plan adjudication to the highest level of precision ever!  All can now be done in Real-Time.

Reimbursement plans or paper submitted plans are declining due to expensive manual processing. Current rising health care trends are placing pressure on "Premium" plans to the extent that claims would have to be less than 35% of premiums collected to ensure rates did not go up.

Data accumulation (subject to privacy legislation) now offers a wealth of statistical information. Human Resource Professionals have "Struck the mother lode". Readily available facts upon which to build wellness initiatives for employees may guarantee a future of healthier workers while reducing the cost of health care benefits. 

Today a company can easily address negative trends by department, by plant, even by geographic area as trends emerge! New ideas and plan design alteration can be targeted for the best results for employees and for cost containment.