News & Articles

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...

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...

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...

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...

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...

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...

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...

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,...

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...

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...