News & Articles

Do you want to avoid unnecessary risks?

Do you want to avoid unnecessary risks?

Unbundled self funded plans allow employers to customize their programs to meet their company culture and employee needs, rather than off-the-shelf plans that an insurance company wants to offer and sell. One size does not fit all, and one plan document does not fit...

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2019: A year in review (and a few success stories)

2019: A year in review (and a few success stories)

2019 saw a great deal of change and lots of savings for my clients. These employers were finally looking at legitimate ways to lower their healthcare costs, rather than shift costs to employees through higher deductibles and contributions. As they have done for so...

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We Learned It All In Kindergarten

We Learned It All In Kindergarten

I came across this article an thought i would share.  It was written by Robert Fulghum and condensed from the Kansas City Times, 9/17/88.   "Most of what I really need to know about how to live, and what to do, and how to be I learned in kindergarten. Wisdom was...

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A Proven Formula To Lower Healthcare Plan Costs

A Proven Formula To Lower Healthcare Plan Costs

Below is a proven formula for employers serious about lowering their healthcare and health insurance costs. First - “unbundle” the health plan. This means that a change needs to be made to replace the fully insured plan, with a new health insurance plan is one which...

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Health Insurance Decrease?

Health Insurance Decrease?

Almost all employers have come to expect the proverbial annual rate increase from their health insurance company or stop loss carrier. It doesn’t matter whether it’s 2% or 20%  - they just keep on coming. If you read my article about the Rule Of 72 you know that it...

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Surprise Bills! How about this one?

Surprise Bills! How about this one?

Surprise bills have gotten a lot of press recently. It’s been all over the media. Surprise bills have been occurring for a long time and usually come in the form of network providers being utilized in what is believed to be a traditional PPO setting, but non network...

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Renewal Time Around The Corner?

Renewal Time Around The Corner?

As you may know, I do a lot of email marketing and communication with businesses trying to persuade them to reevaluate their health insurance options at renewal. In many cases employers are willing to look at alternatives, and in some cases not, and those who choose...

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If you had to pick, what team would you take?

If you had to pick, what team would you take?

Even if you’re not a football fan, read on - I’m trying to make a point here… Recently I was listening to a sports-talk show host, and a caller was trying to convince the host that his team was very, very good and possibly a Super Bowl contender. Team in 2018 was...

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Transparency In Health Care

Transparency In Health Care

This year there’s been a lot of discussion and even legislation and a recent  Executive Order regarding transparency of healthcare prices. Transparency can mean different things in different situations. Transparency and disclosure of compensation by brokers,...

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