Tag: Medical Debt

$11M on a $996K Bill? Dave Chase of Health Rosetta Unpacks the Hidden Trap (Ep. 17)

$11M on a $996K Bill? Dave Chase of Health Rosetta Unpacks the Hidden Trap (Ep. 17)

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Most employers have no idea what’s really driving their skyrocketing healthcare costs, and it’s not just medical inflation. It’s the contracts they’ve already signed.

In this episode of The Benefit Whisperer, Ralph Weber sits down with Dave Chase, founder of Health Rosetta, to uncover the hidden clauses and incentives that enrich insurers, PBMs, and hospital systems at the expense of your people and your bottom line.

You’ll learn:

  • How one employer paid $4 million on a bill originally priced at $996,000, all because of contract loopholes

  • Why anti-steerage clauses prevent you from guiding employees to safer, higher-value care

  • How access to your own data is the single biggest predictor of plan performance

  • The dirty truth behind PBM rebates, offshore GPOs, and the 50+ revenue streams you never see

  • What it takes to cut your per employee costs by 35%, without compromising care

If you’re a CEO, CFO, HR leader, or benefits advisor ready to stop feeding a system that’s rigged against you, this is the episode to hear.

🔍 Learn more at thebenefitwhisperer.com

📞 Book a free consultation: bit.ly/4nNI4I3

Connect with Ralph Weber
LinkedIn: Ralph Weber
Email: ralph@thebenefitwhisperer.com

Connect with Dave Chase
Health Rosetta: healthrosetta.org
LinkedIn: Dave Chase
Julie Selesnick on the Lawsuit that Should Terrify Every Employer and Why You Could Be Next (Ep. 10)

Julie Selesnick on the Lawsuit that Should Terrify Every Employer and Why You Could Be Next (Ep. 10)

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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 Morgan case is really about
✅ Why PBMs (Pharmacy Benefit Managers) are under bipartisan fire
✅ How employers unknowingly violate fiduciary duties
✅ Why your broker might be working against your best interests
✅ What you must do now to protect your business and employees

This episode is essential for:

  • CFOs, HR Leaders, and Benefit Managers

  • Business owners with self-funded health plans

  • Anyone responsible for healthcare plan compliance

🎯 Learn how to safeguard your company from costly lawsuits and build a benefits plan that actually works.

🔔 Subscribe now for insider insights, unfiltered truths, and actionable strategies to reduce healthcare costs and improve employee benefits.

👉 Contact Ralph Weber:
📧 Ralph@TheBenefitWhisperer.com
📞 832-924-3330
🌐 www.thebenefitwhisperer.com

00:00 Introduction to Healthcare Law and ERISA

03:01 The Impact of the CAA on Healthcare Plans

05:58 Legal Trends in Pharmacy Benefit Managers (PBMs)

08:53 Understanding the JP Morgan Lawsuit

12:04 Fiduciary Duties in ERISA and Non-ERISA Plans

14:56 Potential Ripple Effects of the JP Morgan Case

17:59 Lessons for Employers from Recent Lawsuits

23:55 Understanding Controlled Groups and ERISA

26:28 Best Practices for Health Plans

31:15 The Future of Healthcare Litigation

37:48 Advice for HR Leaders and CFOs

39:54 The Importance of Benchmarking in Healthcare

#JPmorgan #HealthcareLawsuit #ERISA #PBMs #HealthPlanCompliance #EmployeeBenefits #JulieSelesnick #TheBenefitWhisperer #RalphWeber #TransparencyInHealthcare
Medical Debt Is Bankrupting Americans (Ep. 6)

Medical Debt Is Bankrupting Americans (Ep. 6)

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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 than they invest in their own core business.

Ralph breaks down why this system is unsustainable and what you can do about it. He shares practical, forward-thinking solutions — from customized level-funded health plans to smarter prescription drug formularies, that could dramatically cut costs and protect your bottom line.

If you’re a business owner, HR leader, or simply someone trying to make sense of rising healthcare costs, this conversation is a must-listen.

Key discussion points include:

  • The alarming rise of medical bankruptcies [00:01:04]
  • How medical debt impacts both employees and employers [00:03:00]
  • Innovative healthcare solutions to manage and reduce costs [00:10:11]
  • The role of self-insured plans and level funding [00:10:48]
  • Real-world examples of healthcare financial struggles [00:06:42]
  • Legal implications for employers not managing health costs effectively [00:17:07]
  • And more!

Resources:

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