News & Articles
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...read more
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...read more
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...read more
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...read more
I talk to a lot of employers - either one on one, or at the seminars that I conduct and I ask them “when was the last time your broker/consultant gave you an idea that could save you 20 to 50% on your health insurance costs?” They look at me like I am alien from...read more
What industry or business on this planet can implement significant increases in their cost every year and still be around, profiting and surviving very happily today? Answer: healthcare and the health insurance industry. Why don't we purchase health care like we...read more
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...read more
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...read more
Do you have a renewal strategy, or do you wait and see what your renewal is before you react? Here’s a several HARD questions you might want to ask yourself: If you have a strategy, what does that look like? Do you proactively look at alternatives? Does your broker...read more
One of the fastest growing areas of healthcare costs are Specialty Drugs. There are many of the high-end expensive drugs you see advertised on TV. Depending upon the source, Specialty Drugs are defined as those that cost between $300 and $400 per month. I've met with...read more
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