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 ‘em them 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 like every other time, Lucy swipes the football away from you at the last second—just like she always does. 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 that broker who is more like Snoopy, the Flying Ace, shooting fake reasons for increasing costs out of the sky. You can find one at www.healthrosetta.org. Or just call me. I’ll fight for you.
Your employees are counting on you to look for a plan that provides transparency and 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! Imagine what we’ll find when we analyze every drug in their claims report.
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 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
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