MAGIC Health Insurance Solutions

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Sunbury, OH
MAGIC Health Insurance Solutions

For thirty years, Metro Area Group Insurance Consultants (MAGIC) has been helping businesses manage and control their healthcare costs.

We provide employee benefit broker and consulting services that help business owners improve their bottom line. We specialize in helping implement proactive, cost and claims management strategies such as:
-> Health Reimbursement Arrangements (HRAs)
-> Level funded plans
-> Reference Based Plans (RBPs)
-> Direct Contracting with Hospital and Doctors
-> Transparent Pharmacy Benefit Managers (PBMs)

-> Tax Preferred Wellness Programs
-> Partially Self-Funded Plans
These are just a few of the thirty-five concepts we recommend to free up capital that can be used to accomplish your company’s overall business objectives. MAGIC can provide consulting services or, if desired, engage with your company as its broker representative. Specialties: Group Health Insurance, Voluntary Employee Benefits, Group Life Insurance, Group Disability Insurance, Payroll Benefits, Dental, Vision, Tax Preferred Wellness Programs, Level-Funded Health Insurance, and Partially Self-Funded Health Insurance

10/01/2025

🚨 Real Story Behind “Medication Denials” 🚨

A recent BenefitsPRO article painted a troubling picture: more and more patients with chronic or rare diseases are being told their medications aren’t covered unless they go through outside programs. Critics say this delays care. But here’s the other side no one’s talking about…

If we simply let hospitals and doctors decide approvals, without any visibility into what they’re actually charging, plans would implode under the weight of unchecked costs.

💡 When patients understand they can receive the same standard of care, or better, at a fraction of the cost, everyone wins:

- Members get the care they need
- Employers keep their health plans affordable
- Plans survive for the long term

Our proof:
One of our members, a spouse battling endometrial cancer for the second time, was treated at Ohio State’s James Cancer Center. Her doctors recommended immunotherapy infusions costing $50,000/month ($600,000/year). This was for a metal fabrication company with just 35 employees.

If nothing changed, the employer would’ve had to raise deductibles and contributions, threatening the health plan they’d offered for 20 plus years.

Instead, we found a strategy that:
✅ Got her treatment at no cost to her OR the employer
✅ Let her keep care at the James Cancer Center
✅ Protected the health plan from financial ruin

This isn’t about “denials.” It’s about being smarter consumers of healthcare and refusing to treat a health plan like an unlimited American Express card for hospitals.

Hospitals may see these strategies as a threat to their profits. But without them, employers and employees will be the ones paying the real price.

💥 Control the cost. Protect the care. Keep the plan. 💥

Let us know if this post was helpful and Schedule a meeting with us on our website, www.magchis.com. We love meeting with Employers who may be in need of these kinds of solutions.

09/29/2025

🚨 Another Warning Sign in Our Health Insurance System 🚨

BenefitsPRO reported a 35% surge in $1M+ high dollar claims.

Let’s talk about why this is happening.

👉 Hospitals continue their long-standing practice of excessive charging—and they refuse to provide transparency through internal Charge Masters that would help employees and employers navigate their systems fairly. Instead, costs are hidden, inflated, and passed down the chain so carriers and employers pay the price.

👉 Carriers, in turn, simply pass these massive costs back to employers in the form of higher premiums.
👉 And employers? They’re left blindsided, footing the bill for a problem they didn’t create.

At MAGIC Health Insurance Solutions, we’ve partnered with claim-review specialists who detect and challenge excessive bill charging before it devastates an employer’s plan. In fact, if you’re with UnitedHealthcare, we can step in and assist directly.
Here’s the truth:

This surge in million-dollar claims isn’t just a headline. It’s coming for you as an employer—and most don’t even realize it’s happening until renewal season.

📩 Reach out today. Let’s review your claims data together before the next $1M shock hits your plan.

08/08/2025

💊 200% Drug Tariffs? What It Means for You 💸

The U.S. is considering massive tariffs on foreign-made prescriptions, up to 200%, to push drug manufacturing back to American soil. While this may sound patriotic, it could backfire in a big way.

📉 Here's the problem:
We already pay the highest drug prices in the world, and major PBMs (Pharmacy Benefit Managers) are importing meds at foreign prices, then charging U.S. employers and employees inflated U.S. prices... keeping the profit.

🏭 Reshoring could raise costs even more, as U.S.-based manufacturing is expensive, and PBMs won’t want to lose profits they are currently receiving. That means higher prices for everyone, unless we change how we buy meds.

✅ Here’s the solution:
Employers in Unbundled health plans can break away from the big PBMs and partner with transparent vendors who find the best meds at the best price—often resulting in:
- $0 out-of-pocket for employees
- Lower total cost for employers
- A fair, transparent fee for PBMs who do their job right

💥 Transparency + Smart Navigation = Savings for All

👉 It’s time to put control back in the hands of employers and consumers. Not the Pill Barons.

08/06/2025

👑 MEET THE PILL BARONS 👑
They promised to lower your drug costs, bring transparency, and help you navigate the pharmacy maze.
Instead? They seized control.

💊 Today, just FOUR massive PBMs control over 80% of the pharmacy market, sitting fat and happy on their throne—while Employers and Employees like you foot the bill.
These giants—who also own insurance companies, pharmacy chains, and provider groups—have vertically integrated to squeeze every dollar possible.

Not for you. For THEM.

And the result?
❌ Skyrocketing drug prices
❌ Opaque contracts and hidden rebates
❌ Limited choices and confusing networks

But here’s the secret they don’t want you to know:
📢 There’s freedom in the other 20%.

There are hundreds of alternative PBMs that aren’t playing the same greedy game.
At MAGIC Health Insurance Solutions, we help employers ditch the Pill Barons and partner with transparent, ethical PBMs who actually lower costs and put control back where it belongs—with YOU.
✅ Employers keep 100% of the rebates
✅ Employers get real, actionable reports
✅ Members are guided to low-cost for employer
✅$0 out-of-pocket medication options for employees and members

💥 Don’t let the Pill Barons dominate your plan.
It’s time to fight back, unbundle, and find solutions that actually work.

📞 Let’s break the chains → Home | MAGIC Health Insurance Solutions | Self-Funded, Level Funded & More

08/04/2025

🚨 NEW GOVERNMENT BILL = $10,000 FINES FOR EVERYONE?! 🚨
(Yes, even when it’s not your fault.)

👉 According to an article from BenefitPro, a new bill could fine employer health plans up to $10,000 per violation under the No Surprises Act. New bill could increase maximum employer plan No Surprises Act fines to $10,000

🎯 While we fully support holding Big Health Insurance accountable for shady billing tactics and protecting patients from surprise bills... this bill may hit the WRONG target.

Here’s what we mean 👇
One of our Unbundled Health Plans had an employee airlifted after a serious highway accident. Thanks to an amazing hospital team, the employee recovered and got back to life as usual. HEROIC WORK.

But here’s the kicker...
⚠️ That same hospital failed FOUR TIMES over 8 months to submit the correct documentation for services already performed—delaying claims payment. Despite multiple calls from our team, and we doing everything possible as fiduciaries, explaining what was needed, the hospital claim missed the deadline to submit the claim and get paid.

Result?
❌ $250,000 in bills dumped on the employee.
💼 We had to step in and negotiate between the employer and hospital to settle the bills for the employee.

Now imagine this bill passes. That employer could be fined an additional $10,000, and for what? For the hospital’s failure to submit a clean medical bill properly four times.

💡 Our Take at MAGIC:
This new bill might be aimed at the insurance giants, but it could accidentally punish responsible employers running transparent, Unbundled Health Plans. The real issue? Hospitals and providers need to also be held accountable for timely, accurate billing.

💬 Let’s fix the real problem—not create new ones.

07/11/2025

💡When you have great coverage, you get great results — and yes, health insurance can be easy.

Take this real-life win from my wife’s experience 👇
She needed her annual bloodwork to check fertility markers and overall health — usually a $400–$600 hit out of pocket and asked for my help. This time, just $0. No preventative care claim submission. No deductible responsibility. Pure $0 out of pocket.

Here’s what changed:
✅ Her employer switched to an unbundled health plan
✅ She asked: "How can I pay nothing?"
✅ The carrier told her: Go to LabCorp – fully covered, no deductible
✅ Her provider didn’t use LabCorp. So, she asked for an exception — and got it.

💥 Result: No surprise bill. No confusion. No fighting the system. Just smart care that worked because she asked the right questions and had the right plan.

This is what happens when:
👉 Members are empowered to ask questions.
👉 Insurance is transparent and unbundled
👉 Employers partner with brokers who care
The same is true for prescriptions. Ask how to pay less or nothing. With the right setup, it’s not only possible — it’s happening every day.

🙌 Employers winning.
🙌 Members winning.
🙌 High-quality provider's winning.
🙌 Big health Insurance? Not invited.

At MAGIC Health Insurance Solutions, this is what we live for. We believe you shouldn’t pay one cent more than necessary.

👇 If you’re ready to unbundle and win, let’s talk.
https://calendly.com/magichis/15-minute-intro-call

07/09/2025

Every year, it’s the same scene…
👔 Employers lining up like pilgrims to the Temple of the Insurance Gods ⛪️
🛐 Hands folded. Heads bowed.
“Please, oh mighty Insurance God… just let our renewal be under 10%!”

And the wild part?
A 10% increase is considered a WIN by most standards.

Meanwhile, the Insurance Gods chuckle… and collect your offering. 🐔💸

But here’s the truth they don’t want you to know:
You don’t have to wait in line.
You don’t have to accept the sacrifice.
And you definitely don’t have to pray for mercy.

👉 With self-funded health plans, you can actually CONTROL your costs — not just hope they don’t go up too much.

We show employers how to step off the mountain and take the reins.
Because hope isn’t a strategy. But self-funding is.

07/07/2025

💥 Employer vs. Insurance Giant: A Battle Over Trust, Fees, and Fiduciary Duty 💥

🚨 Employers, are you really in control of your health plan?
In a lawsuit that’s turning heads, Tiara Yachts is taking on Blue Cross Blue Shield of Michigan, accusing them of hiding fees and violating fiduciary responsibilities while managing their self-funded health plan.

We first heard about this through the sharp analysis from The Phia Group, who broke it down in this cautionary article:
👉 phiagroup.com/Media/Posts/tiara-yachts-v-bcbs-michigan-a-cautionary-tale

If what Tiara is claiming is true—hidden fees, misaligned incentives, and a breach of fiduciary trust—this is exactly why we don’t see traditional carriers as a viable option for employers trying to do right by their teams.

📌 Here’s the deal:
When you self-fund a health plan, you’re the fiduciary. That means you’re legally responsible for spending those dollars wisely and prioritizing your employees’ care—not padding a carrier’s bottom line.

But if your “partner” is making money behind the curtain, you’ve lost control before the bell even rings.

💡 At MAGIC, we believe in radical transparency, direct relationships, and plans that serve YOU—not big insurance.

❗ Employers: If you haven’t asked who’s really profiting from your plan, now’s the time.❗

07/04/2025

🎇Happy 4th of July🎇

"We must all hang together, or most assuredly, we shall all hang separately."
– Benjamin Franklin

This bold declaration wasn’t made in comfort or certainty. It was spoken in the face of treason, at the signing of the Declaration of Independence in 1776. These men weren’t just “old white guys”—the average age of the signers was just 44. Many were in their 30s, like Thomas Jefferson (33), John Hancock (39), and John Adams (40). They were young, visionary thinkers willing to risk everything—status, wealth, even their lives—for the hope of something better.

Together with experienced statesmen like Franklin (70), they didn’t have a blueprint for a perfect country. They just knew one thing: it was better to live free and shape your own destiny than to be ruled by a distant power across the sea.

Today, we enjoy the freedom to question, to grow, and to build something better—not because this nation is perfect, but because we are free to change it.

This Independence Day, let’s remember:
👉 We didn’t inherit a utopia.
👉 We inherited the opportunity to make it better.
👉 And we’re lucky to call this home.

07/02/2025

SUPREME COURT: BIG PBMs Live to Scheme Another Day

The Supreme Court just declined to take up Oklahoma’s law regulating PBMs in self-funded health plans. And while the ruling honors ERISA’s protection of employer control, it also means…
➡️ Big PBMs keep hiding behind ERISA — without real transparency.
➡️ States can’t step in. Employers must step UP.

Look at this courtroom sketch, the PBMs are cheering while patients and employers pay the price.

Here’s our view:
✅ ERISA is a powerful tool — but only if employers use it wisely.
❌ Bundling pharmacy with the same old big-carrier A*O? That’s where the waste lives.

💡 The real solution? Unbundle the pharmacy benefit. Work with transparent, accountable partners who put employers and patients first.

At MAGIC, we help employers take back control — not by waiting on courts, but by building smarter, self-funded plans that expose hidden PBM games and cut costs without cutting care.

📲 Want to see what that looks like? Let’s talk.

06/30/2025

🌀 “WHOA DUDE!! Strange things are afoot in the health insurance industry!!” 🌀

– Bill & Ted... probably after seeing a giant health insurance skyscraper instead of a time-traveling payphone.

Whenever we meet with employers, we point out a simple but shocking truth:
🏙️ In any big city, the tallest buildings are usually a Bank, a Hospital, or an Insurance Company.
And those insurance company buildings? They’re funded by your money—by the profits from your health plan's good years.

So we ask employers straight up:
What would you do if you could keep those profits instead?
🚒 For a fire station—maybe new gear or tech
🏭 For a small business—maybe hire an HR assistant
📈 For a growing company—invest in your team, not their towers

💥 This is where MAGIC Health Insurance Solutions steps in.
🔥 And this is exactly what Revolution Health is all about.

We believe in turning strange things into smart opportunities!

Take back your plan. Fund your future. Be excellent to your budget. 🕶️⚡

06/27/2025

TRADITIONAL HEALTH INSURANCE IS A TRAP

No freedom. No flexibility. No control.

🔒 You're locked into a system that serves itself — not you.
💰 Premiums rise. Options shrink. Profits go to them.

It’s never going to change… unless YOU make the change.

🔥 Revolution Health breaks the chains of the old system and allows you to have...
✅ Real control.
✅ Transparent pricing.
✅ Built for employers — not insurers.

👉 The future is freedom, and the future is Revolution.

Address

14B E Cherry Street
Sunbury, OH
43074

Telephone

+17409653560

Website

https://magichis.com/

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