The Power of Combining ClaimLinx and Wellness Programs: Featuring Dan Cosgrove

In this episode of the Cutting Edge Benefits Podcast, host Tom Quigley and co-host Neil Haley welcome special guest Dan Cosgrove from Wellness for the Workforce to discuss an exciting, innovative solution for employee benefits.Together, they break down how combining ClaimLinx's group healthcare savings model with wellness-driven tax-advantaged benefits can dramatically reduce employer costs, improve employee benefits, and even increase employee take-home pay.If you’re an employer, CFO, HR director—or even an employee tired of sky-high deductibles and premiums—this episode is packed with powerful insights you can’t afford to miss.✅ Who Is Dan Cosgrove?Dan shares his background in marketing and business (including time at Procter & Gamble and Nike) and how his company, Wellness for the Workforce, uses Section 125 of the tax code to deliver better benefits and cost savings for companies and employees alike.✅ Why the Healthcare System Is BrokenTom and Dan expose how insurance companies play a shell game, hiding profits behind pharmacy benefit managers (PBMs) and health service arms—even when pretending to lose money.✅ The ClaimLinx + Wellness SolutionTom and Dan explain how combining Section 105 (MERP Medical Expense Reimbursement Plan) and Section 125(Wellness Programs) gives companies and employees powerful new options:Employers save on payroll taxesEmployees enjoy better coverageBoth parties avoid overpaying insurance companies✅ How Wellness for the Workforce WorksDan walks through the "Healthcare Concierge and Advocacy Plan" model, which includes:Free telehealth/telemedicine (for employees and families)$0 copay for 815 generic prescriptionsMedical billing dispute and advocacy servicesHospital indemnity insurance to lower deductible exposureDiscounted access to popular drugs like Ozempic for weight loss✅ Real Results and NumbersDan’s own company saves about $3,000 per employee annually using ClaimLinx solutions.Employees see higher take-home pay and reduced out-of-pocket healthcare expenses.Employers can save $550 or more per employee per year in payroll tax savings alone through Dan's program.✅ Tax ConsiderationsThey address the minor gray area regarding pre-tax versus after-tax reimbursements for wellness incentives—and how most companies can navigate this easily with good tax advice.✅ Why Employees Should Advocate to Their HR TeamsNeil and Tom encourage employees to be proactive:👉 Bring solutions like ClaimLinx and Wellness for the Workforce to your employer to help everyone win.You can massively cut healthcare costs without sacrificing coverage.Better benefits are achievable when you stop letting insurance companies dictate your costs.Section 125 wellness programs + Section 105 reimbursement plans create a powerful one-two punch.Education is key—most companies simply don’t know these solutions exist.Employees can be the catalyst for change by introducing these ideas to management.Dan shares insights from a McKinsey report exposing the hidden profits in healthcare.Tom jokes about calling telehealth nurses every day—bringing humor to a serious topic.The team draws hilarious football analogies about Pitt, the Steelers, and Syracuse—but keeps focus on the real "game": fixing healthcare costs!To work with both ClaimLinx and Wellness for the Workforce:Visit ClaimLinx.com to schedule a callContact Dan directly at wellnessfortheworkforce.com🔍 In This Episode:🎯 Key Takeaways:📣 Special Highlights:✅ How to Connect:Email Dan’s team: [email protected]