Translation: Evaluating your QTLs and NQTLs by a plan is important to determine if there are any problems with parity.
If there are problems that are not addressed that lead to adverse medical treatment or outcomes, plan members can sue the plan sponsor under ERISA.
Based upon the operations of how plans currently operate in the marketplace, we expect most plans to need at least some changes to their plan structure and operations. In the meantime plans continue to risk significant liabilities if those plan problems lead to poor medical outcomes of members.
A QTL and NQTL Comparative Analysis is all about identifying and fixing problems before they impact plan members.