In this episode, Blake Erickson sits down with DSP Employee Benefits Practice Leader Bill Storie to pull back the curtain on the prescription drug industry and explore what really drives pharmacy costs for employers.

They discuss how pharmaceutical companies influence prescribing behavior, the role patents play in keeping drug prices high, why some medications make it onto health plan formularies while others don't, and what employers can do to better manage prescription drug spending.

If you're responsible for employee benefits or healthcare costs, this episode offers a behind-the-scenes look at one of the most complex and expensive parts of a health plan.

More info: www.dspins.com

Most business owners have a CPA, an insurance broker, and maybe a financial advisor. The problem is they’re rarely working together.

In this episode of Uncovered, Blake Erickson sits down with Kevin Kuhn and Michael Marshall of Kuhn & Company to break down what happens when those conversations don’t happen and where gaps start to show up.

They cover the real differences between compilations, reviews, and audits, common payroll and benefits mistakes that create tax issues, ACA reporting pitfalls employers are running into, and how better coordination between advisors can uncover savings, reduce risk, and improve decision-making.

If you’re a business owner or part of a leadership team, this episode will help you ask better questions and get more out of the advisors you already have.

More info www.dspins.com

What if your insurance premiums didn't just disappear into a carrier's pocket every year?

Captive insurance lets qualifying businesses form their own insurance company, retain underwriting profit, and take real control of their risk program. In this episode of Uncovered, host Blake Erickson sits down with DSP P&C producer and shareholder Mike Pohl to break down captive insurance from the ground up.

They cover what a captive actually is (no jargon), the financial case for mid-market businesses paying $250K+ in commercial premiums, a real client case study showing $1M+ in five-year returns on a $700K annual program, who should explore a captive and who should stay away, and what the evaluation process looks like before you commit.

Whether you're a business owner, CFO, or advisor to companies navigating complex insurance decisions, this one's worth 20 minutes of your time.

More info www.dspins.com