It's The Great Health Insurance Renewal, Charlie Brown!
Cristy Gupton
2018 & 2020 EBA Top Women in Benefits Advising/Charter Certified Health Rosetta Adviser
It’s you and your health insurance broker. You’re thinking, this year I’m really going to get tough with this insurance company and I’m gonna show ‘em who’s boss. I’m gonna be a tough negotiator and this is the year I’m gonna to get a better deal for my employees. Seriously, you might as well be Charlie Brown saying to himself, “This year I’m really gonna kick that football” and just like every other time, Lucy swipes the football right away from you at the last minute just like she always does. And there you are, lying flat on your back wondering what just happened.
Don’t be that guy this year, when your BUCA (Blue Cross, United, Cigna, Aetna) plan sends you this year’s increase—you need to fight back. When you hear your broker tell you that healthcare costs “just go up”, or when they bring you this year’s gimmicky product that’s supposed to make everything better—you need to fight back. Find the trusted advisor who is more like Snoopy, the Flying Ace, shooting fake reasons for increasing costs right out of the sky. You can find one at www.healthrosetta.org. Or you can just call me. I'll fight for you!
Your employees are counting on you to look for a plan that provides transparency which lowers costs. They’re hoping you’re going to come up with a plan that reduces out-of-pocket and gives them better access to high-quality healthcare. I know what you’re thinking, “Better care, lower out-of-pocket? But I’m already paying more than I can afford. Better care is going to cost even more!” All I can tell you is that you’re wrong. You’re not listening to the right advice. Stop being a blockhead!
Let me give you an example of what happened at one of my clients this week. We uncovered that an employee is taking a high cost brand name drug. After some research, we determined that the brand name is just a quirky dosage of the generic ingredient. The drug was costing the employer $733.00 per month. I know that’s not much but when we found out a local, independent compounding pharmacy could make the same dosage of the generic that the brand had for only $75.00 per month, we rejoiced like we’d won the lottery! Transparent Advisor = 1, Big Bad PBM = 0. And that was only one prescription! Let's get to work!
Don’t let your employees be the one kid who looks in their treat bag and all they have is a rock. That’s no good for anyone! Be the employer that everyone wants to work for because your health plan is the best around. It is possible! You can do it! And it's NOT scary! #letsfixhealthcare
This goes out to all of my Health Rosetta buddies who are definitely NOT blockheads! Dave Chase, Carl Schuessler, David Contorno, Josh Butler, Taylor Lindsey, Rachel Means, Megan Cook, Tommy Taylor, Tom DiLiegro, and many others. It also wouldn't be possible without some of the best Direct Primary Care Doctors I know. Dr. Carly Brown, Dr. Ben Aiken, Dr. Chad Krisel, Dr. Shane Purcell, Dr. Jerome Aya-Ay, Dr. Matthew Kramer, and many others. #letsfixhealthcare #custombenefitswork #healthrosetta
Transforming Customer Success: Award-Winning Onboarding Manager | Driving PLG Growth | 5+ Years in B2B Startups
5 年Cristy Gupton love the reference to Charlie Brown to show the mindset shift that employers and brokers must take to achieve control over renewals. As you mention, employers should not settle for another renewal increase because there are multiple levers of control that they can enact. This is why the relationship between an employer and a broker is so crucial. Navigating healthcare can be complicated, especially when taking into account the different health goals of each employee, demographics, and business. That's why data is so important. By analyzing blood screening and claims data, the broker and employer can make informed decisions about their benefits strategy based on the unique employee population. Ultimately, a benefits plan with prediction, prevention, and transparency at its core can deliver a significant competitive advantage in terms of ROI, culture, productivity, and retention. ?
at The Beacon Company
5 年Love this post!
President, Butler Benefits President, High Plains Health Plan
5 年Great article Cristy!? Keep up the good work for your clients and sharing your wins!
SVP, Sales & Business Development - East Coast Underwriters
5 年Another great article Cristy!!