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Problem A large health system with 1,200 employees was an existing Oswald client. Like many businesses, they began to see costs rise in their traditional employee benefits health plan. Double-digit stop loss increases Significant high-cost claim activity Higher overall cost of health care In addition, the employer struggled with employee…

Problem A large, global manufacturer had been working with a broker who did not monitor the company’s ongoing risk.  The client was led to believe the health insurance plan would have a modest cost increase of 5% at renewal, when in fact, it turned out to be 27% when all…

Problem A public sector client was not happy with its existing wellness partner, so Oswald was hired to create a better program that would encourage wellness across the organization. Their goal was to create awareness and engagement around wellness, both physically and emotionally. Solution Oswald took a deep dive into the…

Problem Our Ohio-headquartered client with a workforce primarily located in North Carolina acquired a company based in Texas. The employees at the North Carolina location were provided a low-benefit, minimum essential coverage medical plan. However, the Texas location offered more traditional medical plans and generous ancillary benefits. Our client hoped…

Problem An Oswald client faced the challenge of identifying the source of their skyrocketing health care spending. At the same time, they experienced extremely high medical benefit drug charges due to the network paying a percentage of charges that the outpatient facility determines. Solution Our analytics experts and service team…

Problem A commercial real estate company had an incentive-based program that rewarded employees for going to their physician, being tobacco-free, and providing choices to learn and participate in mutually essential activities. The company highly valued preventive screening and early detection, and they wanted to provide additional resources for employees when…

Problem: Egregious mark ups on Medical Specialty Drugs, aka J-codes/white bagging An existing client, a large nonprofit with 6,000 employees, was faced with an unusually high renewal proposal due to a very high-cost medical specialty drug. They had an employee with a chronic condition who had been receiving this expensive…

A small college partnered with a broker for years. When a new human resources leader joined the team, she realized the broker hadn’t provided any education on benefits. They just knew they were in a captive and were told to pay the bills. To top it off, the college didn’t…

Situation A Midwest private equity firm with 10 portfolio companies was in a fully insured, pooled benefits program that Oswald built with BlueCross BlueShield. While each company could design its own health insurance plan, claims risk was spread over the volume of the pooled population. Although pooled programs are still…

Situation A large private equity firm with 23 platform companies was closing on an average of 10 new companies each year. With thousands of employees, they needed a better way to manage health benefits. Oswald dedicated a team to this client, as the service needs of the client and their…