Most employees believe their insurance card guarantees access to care. But in today’s healthcare system, that’s no longer true. In this eye-opening episode of The Cutting Edge Benefits Podcast, Tom Quigley of ClaimLinx breaks down the reality behind modern health insurance—where prior authorizations delay treatment, denial rates are rising, and narrow networks limit patient choice. From behind-the-scenes pricing games to the role of middlemen inflating costs, this conversation exposes why healthcare feels more confusing—and more expensive—than ever before. More importantly, Tom shares what employers can do differently to take control, reduce costs, and actually improve outcomes for their teams. If you’re an employer, business owner, or decision-maker responsible for benefits… this is one you can’t afford to ignore.
When it comes to healthcare plans, employers are told they have options. Bronze. Silver. Gold. Platinum. But what if those choices are mostly an illusion? In this episode of The Cutting Edge Benefits Podcast, Tom Quigley of ClaimLinx breaks down why most health plans share the same networks, pricing structures, and pharmacy benefit managers (PBMs)—leaving employers stuck overpaying for plans that don’t truly deliver better value. Tom walks through the math most people never do, showing how lower-tier plans paired with smarter funding strategies can outperform expensive “premium” plans every time. He also exposes how brokers, insurance carriers, and PBMs benefit from keeping employers in the dark. Most importantly, this episode lays out what real choice in healthcare should look like—and how employers can finally take control.
Visit ClaimLinx.com Schedule a free consultation with Tom, or a member of the ClaimLinx team. Discover how to reduce your premiums, improve your benefits, and finally take control Subscribe to the Cutting Edge Benefits Podcast on Apple Podcasts, Spotify, and YouTube for more no-nonsense conversations on how to fix your health benefits and save your company money—fast.
If you’re a business owner, HR leader, or employee frustrated with rising premiums and watered-down coverage, this conversation will completely change how you look at group health insurance.
