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ways to reduce payments for healthcare benefits

If you are hired as a consultant to a major health insurance company or a medical service company, what are the ways to reduce payments for healthcare benefits?
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https://brainmass.com/health-sciences/health-care-management/ways-to-reduce-payments-for-healthcare-benefits-397216
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Managed care attempts to make care more cost effective by doing the following:

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Controlling access: in any insurance plan, the person who receives medical care (the patient) isn’t the one who pays for it. The result is a consumer who doesn’t have to be concerned about he cost and who tends to access medical care without careful consideration of whether that care is actually necessary or, in some instances even appropriate. To assume some control of when …

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