You didn't price the plan, pick the PBM, or write the denial letter — but you're the one everyone asks. These tools are organized the way your year actually runs: renewal season, enrollment season, and the ninety other things in between.
The renewal meeting goes very differently when you walk in already knowing your numbers, your exposure, and the questions that make brokers sit up straighter.
16 questions against 2026 benchmarks. Ends in a score and the exact asks to bring to the meeting.
Current vs. quoted vs. your 1–3 plan offer — the negotiated number, the all-in number, and what actually lands on members, line by line by tier.
Post-J&J, plan oversight is legal exposure. 14 questions, a risk band, and a 90-day action list.
Your true cost per employee, benchmarked. The single number that reframes the whole renewal conversation.
The coverage decision every leadership team is asking about — sized for your plan, with the three postures compared honestly.
When leadership asks "well, what can we DO about it?" — pull the six levers and show them.
Every enrollment window turns you into a call center. These do the explaining for you — send the links instead of scheduling the meetings.
Walks an employee from "I have no idea" to a defensible plan choice, step by step.
Example — sample plans, working math. Employees enter their real visits and prescriptions; it does the plan math. A version with your actual plans takes about a day to stand up — the demo page has the pre-written request.
The question you answer forty times every window. Four questions, a straight verdict, the traps flagged — send the link.
Denials, surgeries, Rx sticker shock, "what's an EOB" — the questions that arrive on a random Tuesday.
Surgery prep, denial help, Rx navigation — situation-based tools your people can use without you. Put the link in your benefits portal and onboarding packet.
Every acronym and "wait, what?" in plain English. Your new favorite thing to paste into replies.
Carrying something these tools don't cover? cpalm@dillinghambenefits.com — a real inbox, read by a real person. No list, no sequence. Just a reply.