John Saboski - Employee Benefits Consultant

John Saboski - Employee Benefits Consultant Former HR professional turned Employee Benefits Consultant, specializing in strategic solutions that drive growth and optimize employee benefits.

Focused on building strong connections and delivering effective results for employers and their teams.

07/24/2026

Ever wonder why you only pay $25 at the doctor? 🤔

It's called a copay and it works differently than you might think.

In this video, I break down:
✅ What a copay actually is
✅ How it's different from your deductible
✅ Why some plans have them and others don't
✅ Whether copays count toward your deductible (spoiler: usually no)

Understanding your health insurance doesn't have to be confusing. 💡

Save this for the next time you're staring at a medical bill wondering what you actually owe.

07/21/2026

"Why did I get a bill? I have health insurance!" 🤔

If you've ever asked yourself that question, you're definitely not alone, it's one of the most common things I heard during my 14 years in HR, and I hear it just as often now as a benefits consultant.

In this week's video, I break down one of the biggest reasons behind that surprise bill: your deductible.

Here's what we cover in about a minute:
✅ What a deductible actually is (in plain English)
✅ Why you might pay the full cost of a service before insurance kicks in
✅ The good news about negotiated discounts and how they count toward your deductible
✅ What happens once you've met it (hello, coinsurance!)

My goal isn't to overwhelm you with insurance jargon, it's to bring a little clarity to it all, one topic at a time. 💡

👉 Next up: Why do you sometimes only pay $25 at the doctor? Stay tuned!

Have a benefits question you'd like me to tackle? Drop it in the comments, chances are, someone else is wondering the same thing.

01/20/2026

If you work in HR, you’re wearing a lot of hats and benefits compliance is one that can get confusing fast with changing rules and deadlines.

In this short video, I walk through a few ways we help employers stay organized and proactive
Wrap and POP documents
Ongoing compliance support
Gap analysis to identify and close gaps
Compliance calendars and planning guides

If one of your goals this year is to sleep better at night, reach out and we can do a quick check to see how up to speed your compliance is and where we can make it even stronger.

01/06/2026

Happy New Year! I’m John Saboski with Insurance Management Group. This is year two of these videos, and my goal is simple: help HR and finance leaders make employee benefits a little less confusing with clear, practical insights you can actually use. I’m looking forward to the new year and hope you’ll follow along.

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9610 Lima Road Suite 102
Fort Wayne, IN

Telephone

+12604138443

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