Done in 21 Days
If healthcare were a separate division of your firm, would you accept today’s controls?
We deliver 18-28% reductions in healthcare spend using transparent claims management systems.
Want proof? Give us 21 days.
Who We Serve
Built for employers whose healthcare spend has become a board-level concern.
We work with companies large enough to self-fund intelligently, and complex enough that their current risk management team can no longer serve them well. If your boardroom doesn't have a decision-making process for controlling this big P&L line item, it will after engaging with us.
Organizations ready to move beyond broken self-funded arrangements and take genuine ownership of their plan economics.
Self-funded employers whose plans have accumulated years of unmanaged claims, vendor markup, and misaligned incentives.
Multi-state, multi-entity, and even international organizations requiring coordinated plan architecture across locations and populations.
Services
Three disciplines. One obligation — to you alone.
Self-Funded Plan Redesign
A complete re-engineering of your self-funded plan: administration, pharmacy, stop-loss, and provider contracts, each examined line by line and rebuilt around your interests with incentives put in place to lower employee's premiums and increase benefits.
AI Driven Performance
AI-driven tools are already here that put benefits in your employees’ smartphones, connect them to better pricing for care in the marketplace, cut a large share of the benefits workload that lands on HR, and handle the open-enrollment experience for your HR leader.
Pre-Contracted Specialist Network
JB Benefits is a boutique firm by design. What makes our platform unique is a nationwide network of pre-contracted brokers that are true healthcare specialists. These specialists are connected with independent TPAs, PBM auditors, direct care providers, and stop-loss experts assembled over three decades and answerable to no carrier.
Every specialist is solely engaged on your behalf. They all have agreed to be on our platform.
How We Start
Start with an honest comparison — not a hard sell.
Begin with a free 15-minute fit call. If it makes sense, you receive a free, honest comparison of your current plan in about 21 days. If it's not a fit, we'll tell you.
When you choose to move forward, we work together through a mutual NDA and eventually a formal LOE partnership arrangement.
Thirty-two years inside the carrier and brokerage system taught us where to find the waste and abuse.
About
Thirty-two years inside the system. Now working against it.
John Butler spent more than three decades inside the carrier and brokerage system — including nearly thirty years building and owning his own brokerage before selling it in 2023.
He now works exclusively for employers. JB Benefits Consulting accepts zero compensation from any carrier, PBM, or TPA.
Employers are fiduciaries to their own health plan, and a fiduciary can't evaluate what was never put in front of them. The solutions we introduce often pay little to no broker commission, which is why most employers have never heard of them. Every arrangement is disclosed to you in writing. Under the Consolidated Appropriations Act, that compliance weight sits on your shoulders, not your broker's.
That fiduciary structure is not a marketing position. It is the entire premise of our firm.
Consulting compensation structure begins with a reasonable retainer, followed by a modest percentage of the actualized savings realized by your organization.
The incentives are aligned with the financial results we deliver.
The Book
The industry's playbook, written by someone who ran it.
Health Insurance Sucks is John's plain-language account of how the American health insurance system actually works — who profits, how the incentives are structured, and what employers can do about it.
One conversation. No obligation. No sales process.
The largest health and pharmacy companies in the country profit from what employers can't see. One conversation will show you what's hiding inside your plan.
Start with a 15-minute fit call. If we can't help, we'll say so.