Watch the video at my YouTube channel: https://youtu.be/5Dc7QF_XFK4?si=5-1vMIM7Pp_qGF1J If you're new to group healthcare account management, you already know the feeling. Renewals, claims meetings, open enrollment, service issues, relationship bui...

If your renewal season feels like a fire drill every year, the problem isn't your carrier. It's your timeline. The 90-day trap — Most teams start thinking about renewal 90 days out. By then, your negotiating leverage is already gone. The 1...

Your healthcare plan isn't just a benefit. It's one of your biggest financial decisions of the year. The two paths — Plain-language definition of each: Fully Insured (carrier takes the risk, you pay fixed premiums) vs. Self-Funded (you tak...

What RFP actually stands for and why it matters — Request for Proposal: a structured way to make carriers compete for your business on more than just rate.The 10 categories that actually predict a good carrier relationship — network access, complianc...

Most companies treat renewal like a fire drill. Scrambling in the fall for decisions that should have been made in January. The GRAT Executive Renewal Calendar gives you a month-by-month accountability plan — January through December — for both full...

Missed deadlines. Confused employees. Last-minute system errors. Sound familiar? Most HR teams hit open enrollment without a real plan. The GRAT Open Enrollment Checklist walks you through every step, so nothing gets missed and your employees enroll...