{"type":"rich","version":"1.0","provider_name":"Transistor","provider_url":"https://transistor.fm","author_name":"Break The Cycle","title":"The Real Cost Is on Claims: Is Your Broker Actually Managing It?","html":"<iframe width=\"100%\" height=\"180\" frameborder=\"no\" scrolling=\"no\" seamless src=\"https://share.transistor.fm/e/bc556a1b\"></iframe>","width":"100%","height":180,"duration":1977,"description":"Most employers think they're evaluating their broker relationship correctly. They're not.\nIn this episode, John Gause, Founder and CEO of Apex Benefits Group, pulls back the curtain on 23 years of building something different, and why the benefits industry's default approach to measuring broker performance is costing employers real money.\nJohn shares the journey from group underwriter to industry disruptor: how he saw the gaps early, why he left a national firm to build something benefits-only, and how Apex pioneered the data, clinical, and pharmacy capabilities that most brokers are only now beginning to understand.\nThe conversation cuts to the heart of what employers should actually be asking: not what am I paying my broker, but what am I getting for it? Because if your trend is running at 7 or 8% every year and no one's talking about why, that's the real problem.\nFrom predictive modeling to a six-year internal study showing Apex clients averaging just 2.2% claim cost growth, this episode makes the case for a different standard. One where your broker isn't just servicing your account, they're changing your future.\n\nHighlights (00:00) The Real Cost Is on Claims(00:13) Welcome to Break the Cycle(00:46) Meet John Gause(01:48) Why John founded Apex Benefits Group(07:41) The healthcare cost shifts reshaping employer benefits(09:14) Moving from reporting to predictive analytics(12:40) Building the capabilities needed to change outcomes(15:32) Why broker ROI should matter more than fees(18:31) Evaluating broker performance through healthcare trends(20:59) The resources required to bend cost trends(25:33) What employers should expect from their brokers today(26:47) Why healthcare decisions need financial oversight(31:10) The first step toward breaking the cycle of rising costs\nResourcesApex Benefits website: https://apexbg.com/Apex LinkedIn: https://www.linkedin.com/company/apex-benefits-group-inc-/\nKinetiq Health website: https://kinetiqhealth.com/Kinetiq Health...","thumbnail_url":"https://img.transistorcdn.com/uRpY_uWe_B3Q29iIcNb5OAPFcDRWNPD4kQr6sfXVdo0/rs:fill:0:0:1/w:400/h:400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS8yODIy/Y2M5MzU5NDQ2YzZh/OGM2YjFhMmI1MWEy/MGFlNy5wbmc.webp","thumbnail_width":300,"thumbnail_height":300}