Group Plan Cost

14 second read Sustainability is at the forefront of just about every business leader’s mind. When I think about sustainability, I usually think about the environment, social standards and fair governance.  Your healthcare budget – and plan! – can play a role in all three. Let’s talk about that. Watch the Full Video

37 second read You know that ERISA regulations impact you if you are fully insured or if you are self-insured… no escaping that. What you many not know is that the fourth quarter of 2020 was a very busy time for Legislators. This year, a whole slew of new ERISA regulations came into being. On

11 second read WOULD YOU LET YOUR MOM GO TO A CARDIOLOGIST WITH A QUALITY SCORE (not a yelp review) OF 27.8? If you don’t want this to happen to your mom, or you or anyone that works with you, listen here: Watch the Full Video

29 second read Don’t we all get lucky every once in a while and do something absolutely outstanding for a client that we (professionally) love? Isn’t it so satisfying??? We negotiated a claim recently for a client… we do this all the time and we do it well… but we usually don’t get the opportunity to do it THIS

8 second read Last week I showed you how to create a strategy to beat the House. This week: Two real world examples of an employer beating the house Watch the Full Video

17 second read Big doors swing on little hinges… W Clement Stone (founder of Combined Ins Co of America) Today, I am going to show you a few risk management strategies – that you probably use elsewhere in your business – to swing those big doors in the direction you choose, rather than the direction

21 second read “In theory there is no difference between theory and practice. In practice there is.”      – Yogi Berra Did you ever hear the expression that every time a new middleman enters the deal, the price doubles? Did you know there are 4-6 middlemen in your pharmacy costs? And that one of

1 minute read As an employer, I suspect you look at your health insurance costs and just shake your head… WHY does it cost so much?????I also suspect you haven’t yet received good answers. Here is what it boils down to:Ultimately, YOU are the insurance company……fully-insured, level-funded, self-insured… doesn’t matter, it is all the same

1 minute read Have you ever been in a store that is consistently having a sale? 40% off…. 50% off…  Does that ever make you think… maybe the price they need you to pay to meet their revenue goal is actually 50%?   Or, maybe they are still profitable at 60% off…. or even 70%

29 second read Did you know that health insurance contracts have the same components if they are fully insured or if they are self-insured. We show you how in this week’s video. Here is why this is important for your budget: The difference between having your own contract or borrowing the insurance companies is profit.