Custom Benefits Solutions

Small healthcare decisions can have a big impact on overall costs.

Choosing primary care before urgent care when it makes sense, checking where a service is performed, and understanding lower-cost options before treatment escalates can all help avoid unnecessary spending.

These are everyday decisions, but they add up quickly for both employees and employers.

Healthcare Smarty Pants is about making those choices with more awareness and confidence.

When people understand their options, they are more likely to receive the right care at the right time without paying more than necessary.

Learn more about making smarter healthcare decisions: www.custombenefits.work

Direct Primary Care deserves a place in today’s healthcare conversation.

When employees have easier access to a primary care provider, they are more likely to address issues early rather than waiting until they become larger and more expensive problems.

It creates a more personal, relationship-based approach to care, with fewer barriers and more time focused on the patient.

When paired with innovative benefit strategies, Direct Primary Care can help reduce unnecessary costs while improving the overall experience.

Sometimes better outcomes start with something simple - making care easier to access in the first place.

Explore how Direct Primary Care fits into a smarter plan at www.custombenefits.work.

If you are looking for more predictability over your health plan, an ICHRA is worth understanding.

An Individual Coverage Health Reimbursement Arrangement (ICHRA) allows employers to set a defined budget and reimburse employees for the coverage they choose, instead of offering a one-size-fits-all group plan.

That means more flexibility for your team and more predictability for your business.

It is a different way to think about benefits, especially for small employers who want options without losing control of costs.

For many, it is a practical step toward a more personalized and sustainable approach to healthcare.

Learn how ICHRAs can fit into your strategy: www.custombenefits.work

In honor of Memorial Day, we invite you to join us in taking time to remember and honor the brave men and women who made the ultimate sacrifice to protect our country and preserve our freedom.

Please note that our office will be closed on Monday, May 25th, in observance of Memorial Day. We will resume normal business hours on Tuesday, May 26th, and will respond to any messages received during the closure as promptly as possible.

Wishing you a respectful and meaningful Memorial Day.

If you sponsor a health plan, understanding how it works, especially your pharmacy benefits, is part of responsible leadership.

Too often, employers are left navigating unclear pricing models and misaligned incentives without real visibility into where their healthcare dollars are going.

That lack of transparency can create both confusion and risk.

When you are making decisions for your employees, you should have clear answers and partners who are aligned with your best interests.

Solutions like Sunlight Health and Sunlight Rx are designed to provide that clarity and support better decisions.

Take a closer look at your plan at www.custombenefits.work.

Before you fill that prescription, asking a few simple questions can make a real difference in both cost and care.

It can help to ask:

🔹 Is there a generic or lower-cost alternative?
🔹 Can I get this medication at a different location for a better price?
🔹 Is this being classified as a “specialty drug” and does it need to be?
🔹 Are there options through direct primary care or alternative programs?

These details matter because prescription pricing is not always straightforward, and small changes can significantly impact what you pay.

Healthcare Smarty Pants is all about helping you understand your options so you can make more confident decisions.

Learn more about how transparency supports better choices at www.custombenefits.work.

In honor of Cinco de Mayo, our team wanted to share a delicious Chicken Enchilada Dip recipe from Delish that's ready in just 30 minutes and perfect for your celebrations.

If you give this recipe a try, be sure to let us know how it went!

Wishing you a festive and delicious Cinco de Mayo!

📖: https://www.delish.com/cooking/recipe-ideas/a49954/chicken-enchilada-dip-recipe/

Most employers don’t realize their pharmacy benefit is often one of the most expensive and least transparent parts of their health plan.

Large PBMs frequently operate with hidden costs, unclear specialty drug classifications, and pricing structures that make it difficult to see where your money is actually going.

That leaves many plan sponsors wondering where their pharmacy dollars really end up.

A transparent approach brings clear pricing, defined margins, and aligned incentives so you can make informed decisions without the guesswork.

If you sponsor a plan, you deserve that level of clarity.

Learn more about transparent options like Sunlight Rx at www.custombenefits.work.

Here's my latest article from DPC News -- https://dpcnews.com/working-with-employers/lets-pretend-health-insurance-is-auto-insurance/.

Let’s Pretend Health Insurance is Auto Insurance Have you ever had a minor vehicle “bump up” and decided to handle it yourself without filing a police report or an auto insurance claim?  Surveys suggest 35% of the 20+ million drivers in…