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Clay County considers pharmacy carve‑outs, tiered enrollment and on‑site clinics to rein in costs
Summary
Consultants recommended several cost‑control options — pharmacy carve‑outs, adding enrollment tiers, HSA timing changes and on‑site clinics — and the county asked for detailed projections and member impact reporting before any policy changes.
County staff and consultants urged multiple strategies to address rising medical and prescription costs, focusing on pharmacy management, enrollment tiers and access improvements.
The Bailey Group advised analyzing a pharmacy carve‑out to separate prescription management from the county’s medical claims. The broker said carve‑outs have produced significant rebates and savings for some self‑funded groups and that a targeted procurement and disruption analysis would…
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