FAQs


We’re sharing the answers to your most common questions.


Q: What kind of customers do you help?
A: EHN facilitates favorable pricing of healthcare and pharmacy services using a high performance narrow network and a transparent cost model that benefits our self-funded employers. Our providers are vetted to provide the best possible coverage with the highest quality in our service areas.
Q: How do you manage members who are outside your service area?
A: EHN works with employer customers to focus the provider network in the most important geographic regions to best service their member population. EHN makes additional network arrangements to manage members outside the service area.
Q: How do healthcare providers benefit by being part of the EHN network?
A: EHN fosters a strong connection between our employer customers and healthcare provider partners. This allows for more consistent care management and promotes an ongoing relationship between the provider, the employer group and the plan participants.
Q: How are you different from traditional carriers?
A: EHN is different in that we work collaboratively with our customer employers and key healthcare providers in their regions to arrange quality, customized services for employees in a cost-effective fashion. Our pharmacy benefit management services, provided in a fully-transparent cost methodology, allow us to better manage prescription costs while providing optimal service for employees.
Q: What does your network look like?
A: The EHN healthcare provider network is regionally concentrated in South Carolina and Florida with an extended national network for members located and traveling throughout the USA.
Q: What coverage do you have for members that are travelling or otherwise out of area?
A: EHN provides an extended national network for members located and traveling throughout the USA.
Q: Who are your current customers?
A: EHNs customer base is comprised of self-funded employers with a desire to provide optimal healthcare benefits for their employees in a cost-effective fashion. Our customers are in many industries, ranging from manufacturing to retail to healthcare delivery. We partnered with the Florida Retail Federation and the South Carolina Business Coalition on Health to provide visibility of our plans in settings that encourage collaboration and innovation in delivering healthcare benefits.
Q: What are the savings an employer would see?
A: While EHN cannot predict the specific amount of savings a customer will recognize, we normally start with a comprehensive evaluation of your prescription spending. Using your existing information, we evaluate how our fully-transparent PBM programs can allow you to reduce prescription costs. From there, we use the data to better understand the conditions and geographic distribution of your employees and their families to fit our network models. Savings, even beyond prescription and healthcare services, can be seen in the overall utilization of the plan and more appropriate choice of physicians and services.
Q: How does the EHN approach differ from other employer options?
A: We have a proven track record of effectively controlling an employer's healthcare cost, and providing a benefit that employees and their families can understand and appreciate.
Q: How does EHN do a better job of controlling costs?
A: There are several ways we help manage costs. First, our relationship with our contracted medical providers is one of a partnership — we do not treat them as just a contracted entity. Thirty years of experience has taught us that an employer can only control cost by working with the local medical providers as partners. The primary issue with controlling cost in not the unit price of medicine (the "network" pricing), it is how the system is utilized, and employers cannot control utilization without the active support of the medical community.

Secondly, we only use vendors who are willing to fully disclose all components of their cost. This includes TPAs, PBMs, brokers and consultants, and all other involved vendors. One of the primary reasons for rapidly rising costs it that there are too many vendors making revenue far beyond the value of their services, and there are far too many vendors receiving compensation from other vendors without adequate disclosure to the employer. Vendor cost, and especially cost relative to prescription drugs, is a major cost factor.

Finally, we only use vendors who are recognized in the market for their service excellence and their proven ability to control cost for the employer.
Q: As an employer, what else should I understand?
A: A major issue in the market today is that there are far too many employers who are purchasing fully insured health benefits for their employees who should consider being self-insured. This is especially true for employers who have between 50 and 1,000 employees. Unless there is a highly unusual situation, these employers will all benefit substantially (lower overall cost) by being self-funded.
Q: How does the EHN provider discount compare with other plans?
A: EHN discounts are very competitive with all the major carriers. Hospitals are looking for alternate solutions and have willingly offered to help build a quality oriented network. We focus not only on service-based pricing, but also on bundled payments and pay for performance, allowing healthcare providers to take more effective control of their cost and quality. Discounts are only a portion of the value proposition of EHN. The overall value is an accumulation of (i) our network’s value, (ii) savings and therapy management from our prescription benefit management services, (iii) care management value, and (iv) the value of our partner TPAs’ administrative integrity.
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