News & Articles
A lot of people ask me “what is it that I do”? I could go on and on about what I do, but it's best summarized by telling them “I try to get people to do what they don’t want to do” and they ask “what's that”? I say “change”. I'm a healthcare consultant that works with...read more
We’re all up to our eyeballs in all of the information surrounding the Coronavirus pandemic. The CDC, the WHO, and of course all of the media that continues to give us their perspectives of information – everything from optimism to speculation to pessimism. Amid all...read more
Are you doing the same old things in an attempt to lower your increases? As long as I can remember in this business (and I've been around a long time), the limited options to explore for an employer when they receive an increase at renewal seems to take the...read more
If you were going to have surgery, how would you go about picking your surgeon? Would you call up several surgeons and ask them questions, would you ask for referrals from your family doctor, or ask family members or friends about who they think is a good surgeon? All...read more
Travel and business receipts are very important documentation for business expenses incurred by employees. It includes everything from meals, business entertainment, auto expenses, dues and subscriptions, and a host of other items. Every CFO or financial person for...read more
Have you seen the AT&T television commercial about Just OK Is Not OK? It opens up with a patient laying in a bed in the hospital waiting for surgery and asks the nurse “how good is the doctor?” And she answers “he’s OK.” The patient asks “just OK?” Right then the...read more
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...read more
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...read more
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...read more
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...read more
For the first 35 years of my career I was what you would consider a traditional broker. During that time I worked for a couple of large regional insurance agencies and was very successful in that traditional role. Traditional brokers work with the BUCAH’s (Blue Cross,...read more
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