Somewhere in your building this spring, a benefits problem surfaced. An ugly claims month. Pharmacy spend climbing. Complaints about the network. And someone said the six most expensive
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Self-Funded or Fully Insured, Pharmacy Is Eating Your Renewal
Renewal season arrives and the number is ugly. The explanation is vague: healthcare inflation, trend, the cost of doing business. Everybody nods. Nobody digs. Dig anyway. A big
The Budget Line Nobody Made You Justify
The Budget Line Nobody Made You Justify You can account for every line in your budget. Payroll, rent, software, the office coffee. Each one breaks down to the
Your renewal is being built right now. You just weren’t invited to the meeting.
Right now, your carrier is pulling your claims, checking how their whole book of business performed against their own targets, setting next year’s rate, and deciding how much
A Renewal Went Down. Math, Not Magic.
I opened a renewal last week and the number was lower than the year before. Not flat. Not a polite single-digit bump. Actually lower. I read it twice.
The Cement is Still Wet
There’s a reasonable chance – some experts put it at 30% – that within the next two election cycles, the U.S. moves toward some form of Medicare Advantage
The 401(k) Reckoning Is Coming for Your Health Plan
Thirty years ago, a law firm started suing employers over how they managed their 401(k) plans. Float, bad advice, excessive fees, low-value funds. Three cases went to the
A Risk Position Hiding in Your P&L
I recently came across a CFO who caught my attention. Not because of a hot take or a viral post. Because of how he thinks. This guy holds
Your Health Plan Prices Like a Store That’s Always 40% Off
That “40% Off” Sign Isn’t Fooling Anyone. So Why Does the Same Trick Work in Your Health Plan? We all know that store. “40% OFF – THIS WEEK
You Negotiate Everything Except Your Benefits
You Negotiate Everything. Except This. You built this business by negotiating every contract, every vendor, every line item. You walked away from bad deals. You fired underperformers. Then