Caravus

Caravus We make health coverage simple for businesses, individuals and seniors.

06/09/2026

Pharmacy is now one of the fastest-growing areas of healthcare spending (now accounting for more than 20% of healthcare spend in the U.S.), and it's also one of the most difficult areas for employers to navigate.

When we talk with employers about their pharmacy strategy, I always come back to three things that I believe every PBM contract should include: 💊 📜

🔹 Transparency: To eliminate spread pricing
🔹 100% Pass-through: To capture any manufacturer rebates
🔹 Full audit rights: To ensure contract is being executed appropriately

These certainly aren't the only provisions that matter... but they're a strong foundation for understanding where your pharmacy dollars are going, and ensuring your PBM is working in your best interest. 👍

06/02/2026

One of the biggest healthcare cost drivers often gets overlooked. And it's not plan design or contributions...

It's actually your provider network! 🏥

In this video, CEO J.J. breaks down:

🔹 The different types of health insurance networks
🔹 How network strategy affects healthcare costs
🔹 The tradeoffs between access, savings, and member experience
🔹 Why many employers are combining multiple network approaches to create more value

Network strategy has become one of the most important, and most complex... parts of health plan optimization.

Watch below to learn how today's network options can help employers balance cost containment with quality care. 👇

05/20/2026

If you haven’t asked your TPA lately, “What can you do for us beyond the basics?” now might be the time! ⏲️

When people think about self-funded health plans, they usually focus on the big-picture strategy. But behind the scenes, Third Party Administrators (TPAs) are the ones keeping everything running.

From claims administration and eligibility to compliance, TPAs handle the day-to-day essentials of a health plan. And today’s top TPAs are doing even more by investing in care navigation and cost containment tools that help employees find quality care while helping employers better manage long-term costs.

There’s a lot of innovation happening in this space, and it’s worth exploring.


05/13/2026

Medicare Supplement or Medicare Advantage... how do you choose?!

Both are great options, but they work very differently. It really comes down to your priorities:

Flexibility or bundled benefits?
Predictable costs or lower premiums?

Meredith Edwards, Director of Senior Markets here at Caravus, goes over the pros, cons, and everything in between in this video!

05/12/2026

That “bill” from your health insurance provider in your mailbox?

It’s probably an explanation of benefits, and it’s way less intimidating than it looks.

This quick breakdown will help you actually understand what you’re seeing, and may even help you avoid paying more than you should!

05/11/2026

Medicare Supplement or Medicare Advantage... how do you choose?!

Both are great options, but they work very differently. It really comes down to your priorities:

Flexibility or bundled benefits?
Predictable costs or lower premiums?

Learn the pros, cons, and everything in between in this video!

It’s National Pet Week! We think it's time our Caracompanions finally get the recognition they’ve been working (napping)...
05/06/2026

It’s National Pet Week! We think it's time our Caracompanions finally get the recognition they’ve been working (napping) all year for!

05/05/2026

A lot of employers are either already self-funded... or starting to ask themselves what making that shift would mean.

Over the next few weeks, we're going to break down the four core components that shape a self-insured health plan... what “best practice” actually looks like across each one of the following:

🔹 Stop loss — the risk protection layer
🔹 The administrator — claims, payments, and plan operations
🔹 The network — access to care (or reference-based models in some cases)
🔹 The pharmacy benefit manager (PBM) — where a lot of cost and complexity lives

Each of these plays a critical role in how a plan performs, how employees experience care, and how employers manage cost/risk.

More to come about each one individually in upcoming posts... covering what works, what doesn’t, and the impact this funding model has when done right.

Stay tuned! 📺

25 Caravites joined more than 150 volunteers for a day of service hosted by SHRM of Greater St. Louis!We spread out acro...
05/05/2026

25 Caravites joined more than 150 volunteers for a day of service hosted by SHRM of Greater St. Louis!

We spread out across Forest Park, rolling up our sleeves to help pick up trash and keep one of our city’s most iconic spaces beautiful.

Grateful to SHRM STL (and our group leader Jesse) for organizing such an awesome event and bringing the community together.

There's nothing better than doing good work alongside great people. 🩵

04/16/2026

Today's smartphones 📱 have 40-50x more processing power than the first models. And yet, their price hasn't changed much.

So what happened... and what the heck does this have to do with healthcare? (We're getting there, we promise!)

To keep things brief... competition rewarded efficiency, and technological advances allowed them to deliver more with less, and utilization (and revenue) still rises. Win/win for company and consumer! 🏆

That's how most industries work.

Not the healthcare industry...

In healthcare, the system rewards:

🔹 New drugs
🔹 New procedures
🔹 New technology

But it does not reward:

🔹 Preventive care
🔹 Eliminating waste
🔹 Delivering the same outcome at a lower cost

Because when you reduce waste, you reduce utilization.

And when you reduce utilization… you reduce revenue. 📉

And in healthcare in the United States, revenue is still the name of the game.

So instead of becoming more efficient over time, the system keeps layering on:

🔹 More treatments
🔹 More complexity
🔹 More cost

All without removing expense at the same pace.

Now imagine a different reality where efficiency was rewarded the same way innovation is, delivering better outcomes at a lower cost actually won in the market, and 40–50x improvement in how we deliver care doesn’t feel so crazy when you’ve already seen it happen in your pocket.

Unfortunately, we’re just not there yet.

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168 N Meramec Avenue, Ste 300
St. Louis, MO
63105

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Thursday 8:30am - 5pm
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