When this rural Eastern Texas timber logging and sawmill company (125 employees) faced a 40% premium increase from UnitedHealthcare due to uncontrolled claims post-COVID, we conducted a claims audit, implemented cost controls, and educated employees on care access to reduce the increase to 10%, absorbed by the company. Since 2021, they saved $2.9 million, including $120,000 in 2024 from specialty medication sourcing, with no employee contribution increases and a surplus account reducing premiums through savings in hospital costs, surgeries, and prescriptions.
Northern Oklahoma manufacturing company (58 employees) struggled with persistent UnitedHealthcare rate increases despite a low Medical Loss Ratio, prompting us to implement a transparent health plan with nurse navigators and employee education on cost-effective care. Since December 2022, they saved $134,000 compared to market renewals, achieving a 20% cost reduction in year one and 55% in subsequent years, with richer benefits and free high-cost medications, primarily saving on prescriptions.
Facing an 11% ($120,000) premium increase from Cigna, this Dallas-based electrical engineering company (130 employees) needed cost-effective benefits for recruitment. Through an Apex audit and ongoing claims management, we delivered a tailored plan with free scans, labs, and medications. Since 2022, they saved $1.15 million over three years, equivalent to a full year’s premium, with savings from optimized plan costs and care navigation, maintaining stable employer and employee contributions.
Central Oklahoma nursing home (144 employees) faced high claims costs on their BCBS plan, limiting benefit enhancements. We conducted a claims audit, transitioned to a level-funded plan with zero-cost surgeries, labs, and imaging, and provided employee education. Since 2020, they achieved cost parity with richer benefits, saving on medical claims and prescriptions, delivering greater value without raising premiums.
Central Texas commercial roofing company (55 employees) endured 14%–44% annual renewal increases from a national carrier. We analyzed claims, optimized prescriptions and performance networks, and crafted a plan outperforming their Humana renewal. In 2024, they saved $161,500, driven by prescription and network efficiencies, maintaining robust employee benefits.
Rural Northern Oklahoma hospital (85 employees) was overcharged on their fully insured plan despite low MLR. We negotiated fairer renewals, transitioned to a self-funded plan in 2025 with concierge services, and educated employees on care navigation. Since 2015, they saved $80,000 in 2025 alone, with zero or low single-digit contribution increases, driven by free surgeries, imaging, and prescriptions, plus support for a cancer patient via navigation.
Greater Washington DC-area construction company (320 employees) faced a 15% premium increase, threatening recruitment goals. We implemented a plan with free imaging, labs, and a robust prescription program, negotiating a 2% increase. Since 2023, they saved $425,000, with halved or free prescription costs and free imaging, enhancing coverage for better recruitment.
