Group health benefits are often sold as a shiny package, but beneath the surface lies a complex system that’s costing employers far more than they realize. In this eye-opening episode, Ralph Weber pulls back the curtain on PPO networks, revealing staggering price variances, like a CT scan that can cost anywhere from $635 to $19,830, …
In this powerful episode of The Benefit Whisperer, host Ralph Weber is joined by legendary health policy expert Dr. Donald Berwick, former CMS administrator, Harvard-trained pediatrician, and co-founder of the Institute for Healthcare Improvement, for a candid and urgent conversation about what’s really broken in American healthcare. Dr. Berwick pulls no punches as he exposes …
In this episode of The Benefit Whisperer, Ralph Weber and pharmacist Benjamin Jolley delve into the complexities of prescription drug costs, focusing on how employers can navigate pharmacy benefits management (PBM) to save money. They discuss the significant savings achieved by New Jersey, the impact of drug pricing strategies, and the legal implications for employers …
In this must-watch episode of The Benefit Whisperer, Ralph Weber sits down with ERISA attorney Julie Selesnick to unpack one of the biggest legal stories in employee benefits: the JP Morgan healthcare lawsuit—and why it should matter to every employer and plan sponsor. Julie brings 25+ years of legal experience and explains:✅ What the JP …
Is your PPO network actually saving you money—or just selling you a myth? In this eye-opening episode of The Benefit Whisperer, host Ralph Weber sits down with Adam Russo, co-founder and CEO of The Phia Group, to expose the broken economics of traditional healthcare pricing. They dive deep into the real story behind Reference-Based Pricing …
Why Are Prescription Drugs So Expensive? The Truth About PBMs, Spread Pricing & What Employers Can Do In this eye-opening episode of The Benefit Whisperer, host Ralph Weber sits down with pharmacist and reform advocate Benjamin Jolley to expose the hidden forces behind America’s skyrocketing prescription drug costs. 💊 From shocking stories of $1,800 bills …
Are you overpaying for employee benefits without leveraging their full potential? Discover how to make your benefits strategy work smarter, not harder with level-funded plans! Ralph Weber dives into why group benefits shouldn’t just be numbers on a spreadsheet but powerful tools that can attract talent and secure your business’s future. Ralph unravels the advantages …
What if the greatest threat to your financial security isn’t a market crash, but a medical bill? In this eye-opening episode, Ralph Weber uncovers the hidden costs of America’s broken healthcare system. Every minute, a family files for bankruptcy due to medical expenses, and employers are spending over $16,000 per employee each year, often more …
What does optimizing your group benefits really mean for your business? This week, Ralph Weber discusses the intricacies of healthcare benefits, focusing on the Affordable Care Act’s impact on health insurance and the workplace. Ralph aims to demystify complex regulations and unveil strategies to help you cut healthcare costs. Key discussion points in this week’s …
Picking the right employee benefits is a lot like directing air traffic. ✈️ How? Let’s find out! Ralph Weber, founder of Route 3 Insurance and Financial Services, draws an intriguing parallel between his past career as an air traffic controller and his current role in designing custom insurance and benefit plans. Just as air traffic …