Mitigate Partners

Mitigate Partners Mitigate Partners, LLC is a Risk Management, Cost Containment, and Employee Benefits Consulting group.

We deliver actively managed EMPLOYER-BUILT Healthcare to replace the archaic passively managed Insurer-Built Healthcare.

What’s more frustrating with group health plans … growing costs or uncertainty? Our conversations with prospective clien...
04/23/2026

What’s more frustrating with group health plans … growing costs or uncertainty?

Our conversations with prospective clients and their people provide a clear answer.

It’s the “not knowing” … or uncertainty … about a number of things.

Not knowing …

- Which providers and facilities are in-network

- What medical procedures are covered … and what’s not included

- Actual co-pays

- Covered frequency of visits

- Allowed prescription refills, and how often



And of course – how much is my insurance going to cost next year? (That’s for both the employer-sponsor AND covered employees.)

And when those same prospects ask us what makes us different, we answer this way …

“We eliminate the ‘not knowing’ … on everything in your health plan.”

Straightforward and direct. That’s what people want. Clear and honest answers about the most important thing … individual health and well-being.

Tired of the “not knowing”? Call us. Our advisors across the nation are ready to help.

Here’s a simple question. Where’s the best place to positively impact your business?Many will have this answer – focus o...
04/16/2026

Here’s a simple question. Where’s the best place to positively impact your business?

Many will have this answer – focus on the customer.

That is true. Take care of those who buy your stuff and good things happen.

But here’s a better answer. Take care of your people.

That’s right. Your TEAM. Those who make it happen for the customer. If the people who get paid by your organization feel that you’re taking care of them – they’ll make it happen.

Next question – what’s the BEST way to show your people you’re taking care of them?

Simple. Provide great support for their personal health and well-being.

Nothing is more important. Not one single thing.

But higher payroll deductions and more challenges getting the care they need are not taking care of them. That’s creating problems. For them and for you. And that's what you have today if you're simply renewing the same group health plan without reviewing alternatives.

So now ... back to that first question. Where should you focus to positively impact your business?

There’s only one “best answer”. And when you know that - your next step is to contact a Mitigate Partners ADVISOR. (We’re not brokers. We focus on helping.)

Great businesses adapt and adjust. When costs grow and lead times get longer, they will make changes.  Like this one.Goi...
04/09/2026

Great businesses adapt and adjust. When costs grow and lead times get longer, they will make changes. Like this one.

Going direct to suppliers.

That’s right. Smart leaders will create direct supplier relationships. For raw materials. Or office supplies. Eliminating the distributor -or middle man- can result in lower costs and faster, better productivity.

Here’s a question (… and a STRONG recommendation …) ... why not do that with your employee benefits?

You may think you need a big insurance carrier, because “that’s the way we’ve always done it …” or “I have more confidence that they’ll take care of us …” or “they’re the experts …” and other stuff.

But guess what? They are the “middle man” just like other distributors. And the costs of that “expertise” continue to go up. In fact – your employee benefits are likely one of your largest costs, and it’s also probably one of your fastest growing costs. Not a good combo.

If you're already working directly with suppliers, you CAN do that with your group health plan too.

Really … YES you can.

Our clients made that choice, and they now enjoy Healthcare that Works. You can too. It's not complicated. And you'll be amazed at the results. For your business, and more importantly, for your team.

Contact a Mitigate Partners advisor near you.

True story. A patient covered under a big carrier plan was offered a “self-pay” option for a routine test (vs. filing a ...
04/02/2026

True story. A patient covered under a big carrier plan was offered a “self-pay” option for a routine test (vs. filing a claim with their insurance plan). $97 self-pay vs. estimated $146 out-of-pocket with plan benefits. The patient selected self-pay.

Fast forward – the patient recently received a statement for amounts due of $146 for the routine test PLUS a $50 co-pay. The medical office actually did file a claim against the plan. Countless phone calls, emails, and somewhat abrasive language from the medical billing office still has not resolved the error.

Here’s the question. How many times do YOUR EMPLOYEES have this experience?

Chances are the answer is … a lot.

Faced with what they think their big carrier plan will cover … and what it actually covers … and how they prefer to pay … are real (and likely) situations that your team faces when trying to use their benefits.

And when YOUR EMPLOYEES are distracted with these challenges … guess what happens?

Productivity declines. Satisfaction dwindles. Your organization’s results may suffer.

Our clients recognized these challenges and made a change to Healthcare that Works. Partially or completely self-funded plans. Direct Primary Care. Same doctors. Same hospitals. Better benefits.

And the best part of all? Lower costs.

That can be you. Contact a Mitigate Partners advisor near you.

If you need an MRI on your lower back – go to Atlanta and specifically Grady Hospital. They will do it for a modest $144...
03/26/2026

If you need an MRI on your lower back – go to Atlanta and specifically Grady Hospital. They will do it for a modest $144.

If money is no object and you’re feeling philanthropic – go St. Luke’s Regional Medical in Boise. They will take care of you for just under $5,000.

Same procedure. Different cost to the patient.

How can that be? Is electricity significantly higher in Idaho? Is the cost-of-living in Idaho that much more as compared to Georgia?

Of course not. It’s due to the "negotiated" contract amounts between the payers (or in common language … the insurance carriers) and the hospitals.

And it depends on the plan (private insurance, Medicare, etc.) and the “flavor” of the plan that the patient is on. (Grady also reported the same procedure for over $4,300 while St. Luke’s also completed that procedure for $825. Same exact procedure. Same equipment. Same personnel. Same hospital. But different prices.)

Why the wide range? Pretty simple answer. Money and profits. Healthcare in the U.S. is highly complex and a FOR-PROFIT industry. Supply and demand. And the industry uses the mechanism of insurance to manage (and maximize) profits … at the expense of the REAL “payers” … which are individuals and employer sponsors.

Smart leaders are taking BACK control of their employer-sponsored plans as costs are growing rapidly every year. They are turning to real advisors focused on helping them create plans that work better for their people and their organizations.

We are those real advisors. And we help smart leaders every day take control of their plans.

Contact an advisor near you. Get Healthcare that Works.

It’s the start of Spring!Time to celebrate soon-to-be warmer temperatures. Time to enjoy the vibrant colors of new growt...
03/19/2026

It’s the start of Spring!

Time to celebrate soon-to-be warmer temperatures. Time to enjoy the vibrant colors of new growth as leaves emerge from the hibernating trees. Time to delight in the beautiful flowers from daisies, tulips, daffodils and of course the unmatched landscape of blooming azaleas. So invigorating.

Yes, let’s smile and celebrate spring for just a day or so.

While we’re smiling and celebrating – we won’t remind you about growing costs in one of your biggest expenses.

Nor will we tell you again about employee frustrations with lower take-home pay due to higher deductions from higher premiums.

Nope – not gonna say it again that many people are delaying medical procedures due to higher costs. Not one word about that here … at least for today.

Try not to think about it. Just think about the new season that’s upon us. And smile (if you can …)

(Of course – if you want to talk about that other stuff, we’re ready to have that conversation. Today, tomorrow, even next week …)

Find an advisor near you. It’s the start of a new season (and time for you to make a change for the better with your group health plan).

Many employer-sponsored benefits plans provide fitness facilities or offer discounted gym memberships. Estimates suggest...
03/12/2026

Many employer-sponsored benefits plans provide fitness facilities or offer discounted gym memberships. Estimates suggest that about 1/3 of employers provide this optional and very important benefit to their team.

Why offer an optional fitness program or membership? Fairly straightforward.

- Better employee satisfaction.

- Improved individual wellness.

- Likely lower overall healthcare costs.

Here’s another optional benefit that more employers are including in their plans. Direct Primary Care.

What’s that? It’s a viable alternative to traditional healthcare networks that delivers easy access to quality care for patients (… your employees …) in a timely manner - at an affordable, predictable cost.

Ok – what are the benefits of that ... Direct Primary Care?

Same as a gym membership.

- Better satisfaction (from being able to see a care provider quickly).

- Improved wellness (from regular visits with no incremental costs).

- Likely lower overall healthcare costs. (It’s not “likely”. It’s a fact. Reduced overhead costs. Predictable monthly expense.)

Both types of benefits can be optional. Both programs are focused on improving individual health and well-being. Both options can reduce costs. (Check out a real case study in the comments below to see how this works.)

What’s missing in your employer-sponsored plan? A Mitigate Partners advisor can help you see what’s missing. Contact us today.

A “tipping point” is “the point at which a series of small changes or incidents becomes significant enough to cause a la...
03/05/2026

A “tipping point” is “the point at which a series of small changes or incidents becomes significant enough to cause a larger, more important change.” Think about that as it relates growing costs in your business.

📝In a recent survey conducted by StrategicCHRO360, over 80% of surveyed CEOs and CFOs responded that their employees’ healthcare cost are projected to rise over 20% in 2026. Wow. That’s a lot.

Yet less than 25% of respondents have addressed these costs by implementing an alternative to fully insured plans (i.e. traditional insurance from carriers).

❓Why is that? The answer is hard to know.

One respondent suggested this. “To avoid changing carriers and causing disruption for our employees, sometimes we have to just deal with what the carriers demand.”

🤔 Hmmm. Sounds like this leader is just accepting of what they’re given. (Curious if that’s their approach in running their business.)

Yet some leaders have -in fact- reached their “tipping point” to make a change. One example from one of our advisors (thank you Stephen P. Daniel) shows a 160-person company changed their group health plan, citing a significant hike in premiums. The result? 23% lower annual costs. No change in benefits and actually added some benefits.

So back to the “tipping point” question? ❓Is a 20% growth in one of your key costs not enough to offset any “… potential change and perceived disruption …”?

For those who prefer the status quo, maybe not.

For those who are forward-thinking and looking to grow their business, the answer is clear … YES it is.

Our clients reached their tipping point. Have you? We’re here to help. Find an advisor near you.

Easy yes-or-no question – does your company offer a group health plan?If “yes” – then here’s another question – why does...
02/26/2026

Easy yes-or-no question – does your company offer a group health plan?

If “yes” – then here’s another question – why does your company offer a group health plan?

Lots of potential responses.
- Attract and retain the best people
- Improve individual productivity
- Enhance business tax advantages

In prior generations, if you worked for a company, you likely received your health insurance through your employer.

Fast forward to 2026 – that’s not the case and especially for smaller firms. And the challenge is a real issue for both companies and employees.

If your company offers a group health plan – your costs are soaring.
- Almost $30,000 a year per employee if the company is paying the premiums. “Tax advantages” are fading. Profitability is the focus.

If your company doesn't offer a plan – then employees mainly have two other choices.
- Simply self-insure … or do without insurance. That’s a risky proposition.
- Get individual coverage through the ACA marketplace. This is usually the better “option”, but “affordability” is really not the case anymore. And that can impact performance - and hurts finding and keeping the best people.

So back to that question – “why do you have a group health plan?” The main reasons still apply, but today’s market is really challenging.

Our advisors can help you find better options (yes ... more than one).

It starts with an easy 10-minute call.

Are you ready? We are. Find a Mitigate Partners advisor near you.

Let's get started.

One client made a smart decision when it implemented a partially self-funded plan. One of the biggest advantages was gre...
02/19/2026

One client made a smart decision when it implemented a partially self-funded plan. One of the biggest advantages was greater visibility into actual claims data.

As costs continued to grow - those data insights into the Direct Primary Care (DPC) option were very enlightening. For those participating in the DPC option:

- 75% had fewer claims
- 21.4% lower spending among participants

Annual savings per DPC member were over $1,300, with a projected upside of almost 3x that amount assuming full participation.

It's amazing what can happen -in a good way- when employers have timely access to essential data to make more informed decisions.

Our friend and colleague Jared Mongold helped his client get those better insights that will continue to make a positive impact for their business, and more importantly, for their employees.

Our advisors all across the nation are helping clients with better options. You can enjoy that too.

Contact an advisor near you.

For those old enough to remember - AT&T used to have a monopoly on U.S telephone services.  That changed and resulted in...
02/12/2026

For those old enough to remember - AT&T used to have a monopoly on U.S telephone services. That changed and resulted in the structure we have today.

Fast forward to 2026. The U.S. Congress is now enacting legislation to require Pharmacy Benefit Managers (PBMs) to be more transparent and eliminate practices of keeping some or all rebates from drug manufacturers.

The intent is to help patients get needed medication at more affordable costs.

Here's an observation. When there are fewer "providers" managing the majority of one market or industry - there is a greater likelihood for higher prices. Why? Supply and demand. If you control all the supply - you can effectively set the price at whatever you want it to be, because there's no other option.

That's what's going on with prescription drugs in the U.S. today. Almost 4 out of every 5 prescriptions under an insurance plan are "managed" by one of three companies.

That should be concerning. REALLY concerning.

Now here's an even bigger question. Has your broker kept you updated on the impact to your group health plan? The answer is likely "no".

If you're serious about growing your profits - you need to look at ALL costs. The costs of your PBM "services" may not be working for you.

Our advisors keep our clients updated, because we do things differently ... and better.

Let's get started. Get Healthcare that Works for you and your team.

A recent KFF study indicates the top expenses that are most concerning to the public. What's the biggest concern?It’s th...
02/05/2026

A recent KFF study indicates the top expenses that are most concerning to the public. What's the biggest concern?

It’s the cost of healthcare. More than food. More than shelter. More than transportation.

2/3 of the public are worried about the cost of healthcare for their families.

That might be surprising. The expected answers of “food and shelter” take a backseat to how much it costs -or will cost- if they need healthcare.

Here’s a question. How does that concern affect your employees’ job performance?

The answer is ... it likely negatively impacts their performance, and in some cases, a lot.

And especially if those employees are part of your group health plan. If you’re still simply renewing your plan every year without exploring options – guess what? That concern continues to grow … and their performance can continue to be negatively impacted.

You can make a change. It starts with a 10-minute call with one of our advisors. No obligations. No fancy buzzwords. Just honest, trustworthy guidance on a better plan.

Let’s get started. Contact a Mitigate Partners advisor near you.

Address

Atlanta, GA

Opening Hours

Monday 8am - 6pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 6pm

Telephone

+14049415519

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