News & Articles
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...read more
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...read more
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...read more
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...read more
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,...read more
Surprise medical bills have gotten a lot of attention in the media recently. They typically come from a recent visit to the emergency room or to the hospital. They can come in the form of either an Out-Of-Network claim, or In-Network. When a member goes to the...read more
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...read more
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...read more
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
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