Heartland Benefits Group

06/02/2026

06/02/2026

BREAKING re: Mending Health in OKLAHOMA

If you are enrolled in a Mending Health plan through the Oklahoma ACA marketplace or a group sponsored plan, your plan will be terminating effective 12/31 and if you do nothing (switch) then you will be transitioned to Community Care OK.

You don’t want Community Care.. it’s garbage and a complete waste of money.

If you like Mending, we can help you deploy something even better. (Including your DPC)

[email protected]
405-916-5173

05/31/2026

We are making real change..

Small dental practice in OK with 8 young and healthy employees. who don't consume much care at all.

After receiving their 7/1 renewal offer (18% increase) from BCBSOK from their status quo broker, and seeing that if they renew this plan they'll be paying $96,000 in premium for the year.... they've finally had enough.

Here's some more math..

Of that $96,000, the employer would be picking up $60,000 of that as employer contribution.

With our help, they'll improve their benefit value, improve access to care, reduce employee out of pocket costs for the care they need, etc.

AND, they will save 49% of what they would have been paying to BCBSOK had they renewed with them.

So, instead of accepting an 18% increase, and paying $96,000 in premium for the year ($60,000 from the business, $36,000 from the employees), they'll pay a grand total of $49,000 for the year.

The business will pick up the entire cost of the program and save $11,000 per year, AND, the employees will pay $0.00 out of their pocket for premium.

Good luck to everyone taking 3 steps backwards by continuing to purchase these garbage BCBS, United, Cigna, Aetna, Humana, etc. products.

Wise business owners are starting to behave and purchase differently, and the results that they are getting are hard to ignore.

Fire your broker. Hire a fiduciary consultant.

We don't sell products, we build strategies.

[email protected]
405-916-5173

Send a message to learn more

05/29/2026

Part 2.. “What People Don’t Say About Their Health Insurance.”

05/13/2026

Buckle up... Let's talk HSAs.. (Health Savings Accounts)

You're only eligible for an HSA if you enroll in a qualifying high deductible health plan (QHDHP).

So, to use an HSA, you have to put yourself at the highest financial risk of a high deductible.

Only 9-18% of those who use a QHDHP AND an HSA are funding it to the MAX and experiencing the full "triple tax benefit."

The vast majority of HSAs have $0 in them, and a smaller percentage of them have less than $500.

The reason why most aren't contributing to their HSA is because of the premium cost for that QHDHP.

Spend all of your money on the premiums, and then you are left with very little (likely nothing) to fund toward the HSA.

What's the point of having a QHDHP if you have no money left to contribute to the HSA?

Now, consider that those enrolled in a QHDHP are typically generally healthy, and don't consume much care at all.

What if you could instead spend 50% less per month on premium, improve your medical benefit, improve your access to necessary medical care, and reduce your out of pocket exposure?

Take that savings, significantly improve your financial position, and begin building your wealth, instead of wasting it on HDHP premiums and a $0 balance in your HSA.

It's not rocket science, we can help you if you are willing to first help yourself.

Feel free to reach out.

[email protected]

05/06/2026

With your BCBS, United, Cigna, Aetna, Humana, etc. (any other "sick insurance" plan) would you ever receive an incentive to shop for care?

The incentive being a $0 cost share for you and your bank account?

We've had MANY clients over the past 8 years who have paid $0 out of their pocket for high dollar surgeries.. simply because they have resources available to them in which they can shop for the highest quality care options, at the highest quality care facilities across the country, and offer those high quality surgeries at a MUCH better price than when consumed via "insurance."

Not only do our clients have opportunities to pay $0 for high dollar surgeries when they shop for that care, but they pay, on average, 50% less than they were paying when they had BCBS, United, Cigna, Aetna, Humana, etc.

Example..

Client in Parsons, KS needed a laparoscopic gall bladder removal.

The local health system (Labette Health) would have charged an all in price of $24,000 for that surgery. If the patient had traditional insurance, they would have received roughly a 50% discount on that price. So, $12,000 final price.

The monthly premium for this "insurance" plan would have been $1,800/month.

The patient would have had a $13,500 deductible/out of pocket maximum. High deductible health plan.

Therefore, they would have paid all of that $12,000 out of their pocket. Likely through a payment plan with Labette Health that accrues interest.

Instead, this patient pays $600/month for the health plan strategy we built for them. $1,200 per month less than a traditional health insurance plan.

We helped guide them (via shopping) to the Surgery Center of Oklahoma in Oklahoma City where the total, all in, cost of that surgery was $7,100.

The member paid $0 for that surgery, and they are paying $1,200 per month less than with their previous traditional insurance product.

That's only part of how we are helping people. There's MUCH more.

Let us know if you're open to help for your frustrations.

[email protected]
OK: 405-916-5173
KS: 316-670-2856

Send a message to learn more

05/01/2026

"I am paying so much for health insurance, you'd think the care that I need would be free.."

"I oftentimes avoid seeking care because I've spent all of my money on health insurance premiums, and I have nothing left to pay for the ridiculous prices for care."

These are two things that we hear every single day.

Unfortunately, that's the reality for those who use traditional health insurance, and when we say traditional health insurance, we mean BCBS, United, Cigna, Aetna, Humana, or any ACA plan.

You would think so.

You would think that health care services would be no cost to the patient when families are shelling out thousands of dollars per month for this thing that people have been lead to believe is to protect them..

The average family monthly premium with traditional insurance is $2400. PER MONTH

The average family deductible is $15,000.

Let's do the math..

$2400 X 12 months = $28,800 + $15,000 = $43,800 before the average family experiences any financial help from the insurance company.

The premium alone represents 32% of the average American family household income.

Now, consider that most folks don't consume enough care per year to justify that expense. Especially considering that most folks don't ever meet their deductible.

So, what do people do?

What if you could spend SUBSTANTIALLY less for medical protection (typically 50% less compared to BCBS, United, Cigna, Aetna, Humana) per month?

What if you could access primary care services 24/7/365 with no copays, deductibles, or insurance companies involved with your health care?

What if you could shop for procedures when you need them and for being a wise consumer (shopper) your out of pocket responsibility was waived? ($0 out of your pocket)

What if you could get everything you wish you were getting?

You won't get those kind of outcomes with BCBS, United, Cigna, Aetna, Humana, etc. You're insane if you think so.

We can help. Feel free to send us an email.

[email protected]

04/23/2026

Generally healthy family of 5.

BCBS monthly premium out of their pocket = $1500 (after the employer picked up 60%)

Deductible = $12,000 (they'll pay full insurance price for care until they meet this number)

Now their monthly premium is $711. ($800 savings per month)

Now they have 24/7/365 primary care access with no copays, deductibles, etc.

Now they can shop for high dollar care and pay nothing out of their pocket. (financial incentives for wise consumerism)

Now they pay 1/4th the price of insurance prices for care that falls between primary and catastrophic.

Now, there are no insurance companies involved in their health care.

Thank goodness there are better options that exist outside of BCBS, United, Cigna, Aetna, or Humana.

Let us know if you want the keys to your handcuffs. We've got them.

[email protected]
[email protected]
OK: 405-916-5173
KS: 316-670-2856