Are Drugs Cheaper Using Cash?

The concept of paid medicine with pills on a money background

This past weekend, a far-reaching exposé was published by the New York Times and ProPublica highlighting how, in many instances, individual members can save money paying cash when compared to using their insurance for their generic prescriptions. While this is not a new issue, the investigation reviewed the top one hundred prescribed medications, finding that 40% of the time… [Read More]

Telling It Like It Is

Flag and Stethoscope

During this electoral primary season, I find it interesting – but not remarkable – that our candidates rarely speak the truth about healthcare in the United States. Uttering the cold hard truth would be telling our populace what they really don’t want to hear. The fact is that the cost of healthcare in our country… [Read More]

Small Groups Have Options – PEOs

Calculating Healthcare Cost

Professional Employer Organizations (PEOs) are a potent weapon for small groups facing costly premiums, limited networks, very high deductibles and plans with no out-of-network benefits. The PEO is a business which takes over the human resource and benefits function from an employer. Instead of being forced into the community rated pool, the PEO aggregates small… [Read More]

Five Tips for Small Business Benefits Success


Yes. Small business owners have more limitations than large business in medical plan products. No. That doesn’t mean there is nothing to be done to improve productivity and lower cost. The trick is to know the territory and keep alert for opportunity. These five tips will help you make more informed choices. 1. Know Your Participation Requirements… [Read More]