In this episode of the Cutting Edge Benefits Podcast, host Tom Quigley of ClaimLinx and co-host Neil Haley break down why so many business owners and CEOs are still overpaying for health insurance—and how a simple, 15-minute benefits checkup could be all it takes to stop the bleeding.

Tom outlines exactly what happens in that checkup, what information business owners need to provide, and why most of them are shocked when they see how much they could have been saving all along.

If you’re a business owner, CFO, or HR leader who thinks your benefits program is "fine," this episode will challenge that belief—and show you how easy it is to course-correct.

✅ Why CEOs Don’t Make Time for Benefits Audits
Tom shares how CEOs avoid benefit discussions because they’re “too busy”—or don’t want to be sold to. But avoiding a 15-minute call can cost tens or hundreds of thousands in wasted premiums.

✅ What Happens During the 15-Minute Checkup

• Review current plan designs and costs

• Compare to lower-cost options with the same networks

• Apply ClaimLinx’s proprietary Savings Calculator

• Show the impact of switching plans or reconfiguring benefits using Section 105

✅ Why Most Brokers Never Show You the Best Options
Brokers are incentivized to sell more expensive plans because their commissions increase with your premium. That’s why you’ve never seen the lowest-cost plan options—your broker didn’t want you to.

✅ What Information You’ll Need for a Benefits Audit
All Tom and his team need is:

• A copy of your current benefits plan

• Your current premium bill

• Basic employee demographics (age and income range)

✅ How “Risk” Is Often Misunderstood
Many business owners are scared of “risk” when it comes to high-deductible plans. But Tom explains how most employees don’t hit their deductibles, and how ClaimLinx uses reimbursement plans to eliminate that risk—while still saving money.

✅ Why Even Accountants Miss the Mark
Tom shares how some accountants discourage employers from making the switch—until they realize the savings are real and IRS-compliant under 1954 tax law. Even the most skeptical CPAs end up agreeing: “Yeah, you should do this.”

• The biggest obstacle is NOT the complexity—it’s getting someone to take the meeting.

• A 15-minute audit can uncover tens of thousands in annual savings—even for small companies.

• ClaimLinx works on performance, not commissions, so their only goal is to save you money.

• Business owners don’t need to sacrifice employee benefits to save—they can improve them while cutting costs.

“Most CEOs don’t make time for this because they think it’s going to be hard. It’s not. It takes 15 minutes.” – Tom Quigley

“If you can look at your benefits plan like your bloodwork from the doctor, it’s obvious what needs to change.” – Tom Quigley

“If you think you’re too busy to save a hundred thousand dollars, then I guess you like overpaying.” – Neil Haley

👉 Visit ClaimLinx.com
📞 Schedule your free consultation
💡 Provide your plan and bill—and let the numbers do the talking

Subscribe to the Cutting Edge Benefits Podcast on Apple Podcasts, Spotify, and YouTube for more straight-talking strategies that help business owners fix their benefits and reclaim their budgets.

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🔍 In This Episode:🎯 Key Takeaways:📣 Notable Quotes:📍 Ready to See What a 15-Minute Checkup Could Save You?