News & Articles

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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Do you have a renewal STRATEGY?

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...

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Are Specialty Drugs “Killing” Your Health Plan?

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...

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