Colleen Orton’s Post

I'm often asked by vendors and prospects, "what do you do"? I explain how my carreer path was 'shaken off its natural trajectory' six years ago, after seeing behind the curtain of healthcare and health insurance price manipulations I had to make a choice. Be part of the problem for my own benefit or be part of the solution. "Passion, Action, Nobile Intention creates Progress". I have to believe my actions today are worth it. "After all, its a world our children will inherit". Is it right to look the other way? #britepath #healthcare #healthinsurance #selffundedhealth #grouphealth

Checkers and Trackers has identified the problem of health care affordability for the unorganised resources who are serving to the insurance industry of India, but unrecognised. We as an organisation formed by doctors, have decided to go an extra mile and provide ONLINE FREE HEALTH CONSULTATIONS to our collogues, who can not afford the same. We are working to bring the health care professionals of various disciplines as volunteers in this program. All you need is to register yourself and your family members in this platform. WHO CAN REGISTER: Any health professional ( recognised by Govt.) can register as volunteer, especially the medical professionals working in the Insurance and TPA industry of India. Anyone who is serving the Insurance industry as unorganized worker or outsource in any organisation serving to insurance industry ( viz. field investigators, agents etc.) can register as beneficiary. We will announce the date of commencement of the service along with T&C, very soon. Only registered members can avail the facility. So Get registered as soon as the Registration link is shared. Let us know your feedback in the comment box. #healthforall #healthinsurance #wellness https://lnkd.in/g-EjJxva

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Thinking about a #careerchange? Precoa is leading the way in #preneed! We are grateful to be partnered with premier leaders in the profession and have dedicated leads to support your success. Learn more or apply at the link below

Healthcare Middlemen- 1. Insurance companies!!! - ding ding ding 💰 🤑 💳 2.Hospital/health system administrators 🏥 3. PBM- Pharmacy Benefit Managers 💊 4. Brokers -find the good ones! In the last 20 years, there has been an exponential growth of people who work in healthcare and profit from healthcare but have NO DIRECT PATIENT CARE. Insurance companies- intended to prevent healthcare calamity and NOW the INSURANCE IS the healthcare calamity (thanks Chad Savage M.D.) Healthcare administrators- do we have too many- YES, do they continue to take a bigger piece of the healthcare pie every year- YES, do they improve patient care- NO (show me evidence to the contrary) PBMs- kickbacks, vouchers, artificially increase the costs of medications and in some cases making certain medications out of reach to patients who need them Brokers- Find the brokers who are looking for the best interest of their clients. If not they will profit off maintaining the status quo (which we all know is unsustainable) The growth of these Middlemen has led to unsustainable healthcare costs with diminishing healthcare quality and access. It is estimated that 30-50% of all healthcare spending in the US is "waste". DIRECT PRIMARY CARE helps to eliminate the middlemen who are not actively looking to lower healthcare spending. Listen to my latest episode of Full Scope with Dr Nicole Hemkes where I talk about Healthcare Middlemen. #directprimarycare #familyphysician #freemarkethealthcare #healthcaretransparency #affordablehealthcare https://lnkd.in/g6tggHfN

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Choose the Right Insurance Professional for You. Below we provide you with six (6) useful tips to help you select your agent for your upcoming open enrollment. #WWIS #Peoplehelpingpeople

We have had the opportunity to engage in a dialogue about health insurance with a small city over the course of this past year. This city has approximately 35 employees plus dependents on their plan with their current carrier. The premium that they are paying is $95,000/month according to their financial director. Not only are they paying $95,000/mo., or over $1,100,000/year, they have absolutely no claims information which means that they have no way of comparing actual cost of services used versus premiums being charged to pay for it with. If they unbundle the premiums and break all this down to their basic fundamental cost components. By doing this, they would lower their cost by well into six figures. The barrier to even evaluating the economic advantages of eliminating middlemen and knowing actual costs is the very city officials charged with this responsibility. This is a very common occurrence. The money that we see wasted on unnecessary bloated premiums to provide a pathway to healthcare for staff is absolutely astonishing. Decisions like this waste their employees’ money also because they have to pay to cover dependents and also pay a percentage of the monthly premium for themselves. We implemented our method for a small city with a similar demographic whose staff was almost double the above and whose benefits were actually better. Their costs are running about half the cost of the above example with almost twice the number of people. Further, they now know to the penny what their costs are. Therefore, oftentimes the biggest barrier to reducing the cost of health insurance plans is the very people being impacted by this runaway system. I am a former employer who got fed up with being exploited by not knowing what our actual costs were that were hidden by insurance premiums. Information unlocks substantial opportunities to identifying wasted expense hidden by the artificial barriers created by the major insurance carriers and PBM’s. Unfortunately, the above-mentioned city paying $95,000/mo for health insurance will continue to be exploited by this system which, in my opinion, is constructed to benefit handsomely due to these decisions of inertia. To learn more, you are invited to join our upcoming information Zoom session. Register now at www.ecchic.com/events/

We completed a review for 2 of our recently acquired clients yesterday. In both cases – ·      The group’s benefits did not change ·      Access to the same doctors did not change ·      The employee’s cost of participation did not change but the manner in which the group used insurance, medical, pharmacy and administrative services charged.   Previously, both of these groups’ plans were in a nationwide consortium governed by a centralized umbrella for approximately 200 groups in their particular industry managed and insured by one of the large health insurance companies. Here are the results so far –   Group #1 Carrier: United Healthcare Employees: 95 ECCHIC program start date: 1/1/2024 Funding budget based on previous 2023 United Healthcare pricing: $171,000/mo. Premium that would have been paid to United Healthcare from 1/1/2024 – 4/30/2024: $171,000 x 4 months ($684,000) Actual cost from 1/1/2024 – 4/30/2024 for this group with our ECCHIC program for the same exact benefits: $425,000. Saving to date: $259,000   They would have paid United Healthcare $254,000 more for exactly the same thing without having any information about real costs whatsoever.   Group #2 Carrier: Blue Cross Employees: 71 ECCHIC program start date: 7/1/2023 Funding budget based on 2022 Blue Cross premium level. That is not a misprint. We reverted to their 2022 premium level as the benchmark funding level – eliminating the increase for 2023 dictated by Blue Cross. $138,000/mo. Premium that would have been paid to Blue Cross from 1/7/2024-4/30/2024: $1,380,000 (which doesn’t even take into account the increase that they would have received on 1/1/2024) Actual cost from 1/7/2024-4/30/2024 for their group with the ECCHIC plan for the exact same benefits: $1,210,000. Savings to date: $170,000. They would have paid Blue Cross $170,000 more for exactly the same thing without having any information whatsoever about real costs. Going forward, upon renewal in both cases, they will be able to keep their funding budget level unchanged all the way around. This is the type of result that has been achieved for every group that we have had the privilege and opportunity to work with. We can do this for any group struggling with strangulating premiums and insurance company control of medical service access. Give me a call at 314-997-8865 or join our upcoming informational webinar on May 22nd at 9:00 AM CST to learn more. Registration is free at www.ecchic.com/events/ The Ecchic Group

https://lnkd.in/dmGTTpgy One of the biggest worry for humans is the uncertainty of health. No matter how fit and healthy we look and feel, the serious life threatening health risk is a matter of chance/probability. The annual escalations of medical cost is about.14% in India. While sophistication and technology in medical treatment has gone up, the cost too have sky rocketed. The traditional health Insurance with limitation on sum insured and on other key factors still does not offer complete peace of mind. What if my sum insured is Rs 25 lakhs, but cost of treatment is 79 lakhs, or a 1.53.crores? The new health insurance product of ICICILOMBARD " Elevate" is a comprehensive solution for your health risk. It's revolutionary and the best in class. #elevate #icicilombard