Maria Todd helps employers and labor union health plan administrators save money on healthcare costs with unbiased, unchained, unconventional options your TPA and ASO may not offer.

A former OR Nurse and experienced healthcare administrator and managed care expert,
Maria Todd helps employers save money on annual employee healthcare expenditures.

Guidance, tips and actionable insights to help benefits managers reduce their annual benefit spend while designing high-satisfaction benefit packages for employees.

Health care represents the biggest percentage of benefit spend. Let's discuss the ways your company can reduce overall costs without changing brokers, agents, TPAs or ASOs or local healthcare providers unless there's no other way to lower your healthcare spend.

Unbiased. Unchained. Unconventional.

I recently met Dr. Maria Todd to learn more about possible medical travel ideas for my workplace. I was extremely impressed with the level of knowledge Dr. Todd has, not only on medical travel, but on the entire issue of healthcare in the United States and literally worldwide. I learned more from Dr. Todd in our few hours together than I had n years. I highly recommend reaching out to Dr. Todd if you need information on the many aspects of healthcare delivery and coverage.

Jean Vito CPA Director of Finance & Sr. Administrative Officer at City of Superior

I want to share how much we appreciate the pharmacy discount program recommended by Maria Todd.  Our employees love the savings, we meet our fiduciary duty to save trust dollars, and all for an investment of a penny per card. Last month, our employees saved an average of 46.17% on prescription medications purchased conveniently at local pharmacies, after PBM discounts. The average savings per prescription was $27.93. We spent less than $10 just once to implement the program she recommended! Why our agent, broker or TPA didn't recommend this still baffles us.


Plan Administrator Lake Havasu, AZ

Domestic Medical Travel Pilot Program

Explore the possibilities

Which Cost Containment Solutions Will Work for Your Company?

There are many creative ways to contain and reign in employee, dependent and retiree healthcare expenses.  Some agents and brokers will tell you about the solutions they sell and little else. Is that the end of the list of options? Not hardly -- unless you allow it!  Unlike brokers, agents, TPAs and insurers, I'm unchained, unbiased and free to suggest and recommend research into other options that can be bolted on to your existing benefit schema without disrupting your existing relationships. That's actually quite rare in the employee benefits word. The reason is simple: I don't come with a plan to sell you on any substitute or product.  I "have no dog in the race."

I bring no pre-concieved notions about what will work until I asses your population demographics, your local and regional healthcare supplier options, past and projected utilization data, how they've used their existing benefit menu to date. My recommendations are data driven, not emotional or commercial. I don't sell leased networks or TPA services. I don't "sell" medical tourism surgeries or promote particular hospitals as their agency.  It would be my pleasure to introduce you a short list of hospital executives you'd like to approach anywhere in the USA or abroad. Count of me for guidance through the development of a custom-designed pilot program and help you negotiate with hospital execs at any health delivery outlet.

You'll benefit from lower expenses and better direct relationships with your trading partners because I know their pain points, what they'll respond favorably to and the data they want to see from you.


Start with the simple assessment and a meeting to sit side-by-side and review your options

Let's take a look at your existing benefits, your numbers, your data, and give you a chance to explain what you've tried so far and what you think you'd like to try to improve or change.  If any of the above programs are right for you, I'll show you how to execute on your plan even if your broker, agent, or TPA won't or can't help you take the next steps.  There's never any pressure because I am not there to sell you anything by any deadline to make sales goals.

"Since 1995, I've helped self-funded health benefit plan administrators design and manage their company's medical travel benefits. I introduce them to Centers of Excellence in the USA and 120 countries that I've inspected and pre-qualified. The results are lower costs for the trust and plan participants and higher benefit satisfaction."

I design surgical episodes of care under transparent, predictable, pre-negotiated case rates that include pre-op, destination and post-op care and outcomes and benefit satisfaction measurement. Provider settlement is paid as an extra-contractual payment by your TPA or ASO.

Pharmacy tourism benefit programs help self-funded employers and plan participants access high-cost prescription medications from the same manufacturers and with the same formulary, but at lower prices. But before we start contemplating travel to import high cost medications, consider learning about compassionate discount programs by consulting a specialized consultant for an hour or two to learn what can be done locally that's outside the routine PBM program discounts. Let's also consider if we can save participants' and trust dollars with a company-branded prescription discount card involves a one-time cost of about $50 or less to implement.

I design executive checkup programs to help companies protect their top talent when those who run the show neglect their health. Convenient one-or two-day examination programs at interesting destinations, worldwide, accommodate busy schedules while supporting the long-term wellness and productivity of senior executives. When your executives set the example for a wellness culture, subordinates are more likely to emulate and follow their lead.

As a former hospital and ASC administrator, I'll accompany and mentor you as you chat with your local and regional hospital executives about some possible alternative revenue models for specific services. Let's invite them to discuss and give them the option to say "no", before disrupting the existing local provider framework with ideas about medical travel. But if we must--we must.

Might a worksite health clinic be the answer? If you have 700 lives in one community and 1000 s.f. that can be repurposed, perhaps a worksite clinic can drop emergency department utilization and boost productivity and down time from driving to the doctor's office, sitting in waiting rooms, and losing control over tests and procedures that may be unnecessary.

Many employers are advised by their TPA or ASO what their total spend was in surgical categories such as cataract removals, tonsillectomies, cardiac care, hernias, carpal tunnel surgeries, joint replacements, back surgeries, cancer treatments, and spine surgeries. That's like driving a car forward while only looking in the rear view mirror! Telling you what you've spent doesn't help you reduce your costs. Why don't they share how to save trust dollars instead?

How much can you save if you can successfully guide some of your plan participants to agree to use higher-value facilities and providers that are safe and accessible? What would incentivize them to agree to travel away from family, friends, and familiar surroundings? Will they be safe enough to travel without driving up complications that could arise due to the travel itself? And let's not forget the travel costs you'll need to reimburse. Many TPAs push the "price" of the surgical facility at alternative provider locations but don't calculate the cost of the travel to get there, recuperate there, and return home and pay for the follow on aftercare by local providers. Make sure you have an apples-to-apples comparison before you jump into a site of care savings program in haste.

What if you could ratchet down the incidence of chronic diseases such as diabetes, hypertension, obesity, arthritis, chronic pain, and reduce cancer risks? Let's examine chronic disease prevention rather than chronic disease management? There are many ways that case management and targeted campaigns can make in impact in annual spend with far better results than spending money year after year on wellness programs that people won't use.

How much can you save if you can successfully guide some of your plan participants to agree to use higher-value facilities and providers that are safe and accessible? What would incentivize them to agree to travel away from family, friends, and familiar surroundings? Will they be safe enough to travel without driving up complications that could arise due to the travel itself?