News & Articles

Does your health plan look like an outdated Hi-Fi Console?

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...

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The Ultimate Health Plan

A combination of partial self-funding, direct contracting with local providers, and reference based pricing is the ultimate and perfect solution for employers and employees to address rising healthcare costs. This combination works so much better than any insurance...

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New Companies Popping Up Everywhere

It's surprising to me how many new companies are popping up that profess to do Reference Based Pricing (RBP). It seems like every week I get emails from companies about their new program for my clients. The number of employers utilizing RBP is growing exponentially...

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If you want to make an omelet you have to crack a few eggs.

If you've read my blogs, articles, emails, and even my book, you know that I've 'been around the block numerous times' as a traditional broker for 35 years. In 2015, I couldn't take it anymore and started my own consulting company. It was the way insurance agencies...

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Why Don’t We Buy Healthcare Like We Buy A Car?

When we go shopping for anything like groceries, clothing, a home, or a car we always know the price before we purchase it. We don’t order a car and say send me the bill 60 or 90 days later. We don’t buy groceries without knowing the price of the items. We don’t buy a...

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A Very Proud But Humbling Experience

A few weeks ago my wife and I experienced something we never expected.  After over a year and a half of preparation and testing, our son did a very noble deed – he donated a kidney to a friend.  Yikes! I know this occurs frequently these days, but as a father I was...

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Wages vs. Health Insurance

What is the highest expense on your P&L? For most companies it’s wages and payroll. What’s the second or third highest expense on your P&L? For most companies it’s health insurance. The problem is that the highest expense is not increasing as fast as the...

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Senate bill takes aim at surprise medical bills

It's about time this is being addressed.  I can't help but wonder what the "federal formula" will look like!?   Rachel Bluth, Kaiser Health News | September 19, 2018 The bipartisan proposal would protect patients from surprise bills and high charges from...

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Pay and Defend or Negotiate and Settle?

You’ve probably read several articles from me regarding Reference Based Pricing (RBP). RBP simply means that a Reference Point is used with which to Base the Pricing, instead of an arbitrary PPO "discount off of what." Reference Based Pricing companies have been...

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