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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…

At Oswald, we’re dedicated to nurturing growth and achieving success for our team and valued clients. Discover the key ingredients to our ongoing success.  

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…

Situation A large auto parts distribution company saw their health benefits claims rising. They needed to find ways to reduce their costs to maintain a healthy bottom line and continue to grow their business. Solution During the broker-RFP process, Oswald identified numerous areas of improvement that could be implemented in…

Many Directors and Officers of private companies and nonprofit organizations understand the importance of D&O insurance to protect their personal assets, as well as the entity’s balance sheet. Yet, many fail to take the time to understand important exclusions that are embedded in the policy. One such exclusion is professional…

Insurance is a mystery to most organizations who go through the same transactional buying cycle each year. Tune in to learn the three key factors that determine a successful renewal outcome.  

With the hard insurance market continuing what may soon be a historical run, manufacturers and distributors across the country are clamoring to gain clarity and control of their terms and premiums. This hard market has many contributing factors, including rising replacement costs, capacity going down as losses pile up, and…

January health insurance renewals will be here before you know it. As the employer, you can make sure you’re getting the best coverage for your employees and avoid any unexpected costs or gaps in your insurance. Just follow these steps: Review your current group plan: Coverage and benefits: Does your current…