"Are Tony Chandler's 25% Healthcare Savings for CFO's Legal? Uncover The Surprising Truth Behind His Revolutionary Cost-Cutting Strategies"

 Growing up, it was all about proper manners and kindness.

These virtues resonated throughout everything in life!

 My siblings and I were taught these values from day one. We had a loving and supportive family, enjoying many of life's pleasures. My father's hard work as a renowned surgeon provided these luxuries, setting an example I followed throughout my life.

From a young age, I knew that working harder and longer than the next guy was key to success. Oh , and let’s not forget working smarter which came later in life.

Summers at our beach house in Cape Cod and winters skiing in northern New England brought fantastic memories.

Living in New England, you either use the winter, or it uses you! Across the street from our house was a beautiful small pond where my love for hockey began—a sport that has remained influential throughout my life. Coaching, playing continually till this day and watching thousands of games. Likely due to my Nova Scotian ancestors.

Remember the days of going home when the streetlights came on? No cell phones, no internet—just pure, simple times. Our main home was in a city, the second largest in New England, which brought life in the fast lane.

As I moved into middle school, I made friends with older boys. We had a tight-knit crew of neighborhood friends but ventured into other neighborhoods seeking excitement and inevitably danger. Fortunately, I realized early on that the party scene wouldn't get me anywhere. Overcoming bad vices built a strong foundation of willpower that lasted for many years. My quest to change the standard view on managing health care came from this ability to adapt and grow stronger through adversity.

 Watching my father get up in the middle of the night for emergency surgeries, working long hours, was extremely admirable. I knew I wouldn't achieve success if I stayed on the path I was on.

My mother was another major influence in my life. I learned from my father how to treat women with kindness and respect. My mother demanded perfect manners and wouldn't accept anything less than respect and kindness in her home. She was my biggest advocate during my teenage years, her dedication and love helping me through difficult times.

High school came, and my grades were average at best. So, I ventured into junior college to get things started. From day one, I made valuable lifelong friendships and learned the dedication and hard work needed to succeed. Always working one or two jobs while attending college was tough. We were taught early on that we needed to earn money for anything valuable we wanted. At age ten, I washed windows to buy my first minibike. That was my first venture into employment, teaching me the value of hard work. At age twelve, I shoveled snow with a friend to earn money. I was always the one knocking on doors, never shy. Hey, No one is going to give you luxuries in life so we go out and work hard.

College brought years of great friendships, fun, and learning experiences. For those considering not going to college, you'd miss out. There, I met a woman who would become my future wife, and we had a fantastic son, Anthony Junior. Although the marriage didn't last due to an obsession with drinking, I gained my beloved son and ended my drinking phase 26 years ago.

At age 25, after graduating from college, I began my consulting journey. Working for New England Mutual Life Insurance Company taught me how to deal with different personalities and make people comfortable. There training on dealing with multiple personalities was legendary.  Naturally I gravitated towards employee benefits. Not fond of sitting around a kitchen table at night, this was all daytime work, and I got to meet influential people. I was fortunate to have a great mentor, a kind, funny, and successful man in health and benefits.

Feeling that bad things only happen to others is a mistake. Life can change in an instant. One day, I found myself facing a significant challenge: a sudden health crisis within my family. This experience opened my eyes to the importance of comprehensive healthcare coverage and propelled me toward my true calling—helping businesses reduce healthcare costs while improving benefits for members. You MUST be an advocate for your health, believe me, I learned this early.

I remember the first time I encountered a CFO frustrated with the annual health plan renewal nightmare. Endless spreadsheets, minimal savings, and the nagging feeling of overpaying for subpar plans—I've seen it all. I knew there had to be a better way.

Drawing on my decades of experience, I devised a transparent, innovative approach to healthcare benefits. My process is designed to cut healthcare costs by 20% or more from day one, maintain existing doctor networks and deductibles, and keep current brokers in place if desired. This approach not only attracts and retains top talent but also enhances the health and productivity of the workforce, providing immediate financial results without overburdening HR staff.

One of my earliest successes was with a construction company struggling with high healthcare costs. They were skeptical at first, hesitant to change their plan due to fears of disruption and additional costs. Oh, and lets not forget all the standard so called wisdom they get from their traditional broker. But after a thorough analysis, we implemented a custom solution that slashed their healthcare costs by over 20% while maintaining their existing doctor networks. The CFO couldn't believe the results—immediate savings and a happier, healthier workforce.

Another memorable case was a nonprofit organization. Nonprofits often operate on tight budgets, making every dollar count. The CFO was overwhelmed with rising healthcare costs, which were eating into their funds for programs and services. By working closely with them, we developed a tailored plan that reduced their healthcare expenses significantly. The savings allowed them to reallocate funds to their core mission, making a real difference in the community.

In the transportation sector, a company faced constant turnover due to inadequate health benefits. They needed a solution that would not only reduce costs but also improve employee satisfaction. We crafted a benefits package that addressed these needs, leading to lower costs and increased employee retention. The company saw a dramatic improvement in morale and productivity.

Throughout my journey, I've learned that every business is unique, and there's no one-size-fits-all solution. My approach involves understanding the specific needs and challenges of each client, then crafting a custom solution that delivers measurable results.

It's not just about cutting costs; it's about creating a sustainable, effective benefits package that enhances overall employee well-being. By integrating wellness programs,

custom RX solutions, telemedicine, and proper claims management, we can lower claim costs and improve morale and effectiveness.

I continuously update my knowledge of the latest innovative techniques to lower costs and stay informed about the critical components of national healthcare reform. This ongoing education allows me to provide the best possible advice to my clients, helping them navigate the complexities of the healthcare landscape.

The journey hasn't been easy, but every challenge has made me stronger and more determined to make a difference. From early mornings and late nights watching my father's dedication to overcoming personal obstacles and professional setbacks, each experience has shaped my approach to healthcare benefits.

One particularly challenging moment came when a close family member faced a serious health issue. This personal ordeal reinforced the critical importance of having robust healthcare coverage and utilizing a best in class approach . It was a wake-up call that pushed me to ensure that businesses and their employees have access to the best possible healthcare plans without breaking the bank. Do you know that healthcare can be best served through proper guidance of care? Best in class actually costs less and provides better outcomes ( Win-win)!

Drawing from this personal experience, I started focusing on innovative healthcare solutions that could provide real value to companies and their employees. I realized that the traditional approach to health benefits was outdated and ineffective. It was time for a revolution. Really, do you want to remain part of the problem or become part of the solution!

I began by diving deep into the complexities of healthcare costs. I studied every aspect of health insurance, from underwriting to claims management, and explored new ways to reduce costs without sacrificing quality. I became certified in self-funding by the National Association of Health Underwriters, which opened up new possibilities for cost reduction and plan customization.

One of my breakthrough moments was discovering the power of custom plans. Unlike traditional insurance, custom plans allow companies to have more control over their healthcare costs and benefit designs. By implementing these plans, businesses could save significant amounts of money while offering better benefits to their employees. It was a game-changer.

I also integrated wellness programs into my solutions. These programs focus on preventive care, encouraging employees to adopt healthier lifestyles. By promoting wellness, companies can reduce healthcare claims and improve employee productivity and satisfaction. Wellness programs, combined with telemedicine and consumer-driven plan alternatives, have proven to be highly effective in lowering claim costs and enhancing overall employee well-being.

Another key strategy I implemented was the use of advanced data analytics. By analyzing healthcare data, we can identify cost drivers and areas of improvement. This data-driven approach allows us to create tailored solutions that address the specific needs of each client. It’s all about making informed decisions that lead to better outcomes.

My journey has been about more than just cutting costs. It’s been about creating a culture of health and well-being within organizations. When employees feel valued and cared for, they are more engaged and productive. It’s a win-win situation for both the company and its workforce.

Over the years, I’ve had the privilege of working with many forward-thinking CFOs who were willing to take bold steps to improve their healthcare benefits. These partnerships have led to incredible results. One client, a transportation company, saw a 25% reduction in healthcare costs within the first year of implementing our solution. Another client, a nonprofit organization, was able to reallocate over $500,000 in savings to their programs, making a significant impact on the community.

These success stories fuel my passion for what I do. Knowing that I can help businesses achieve financial stability while enhancing the health and well-being of their employees is incredibly rewarding. It’s the driving force behind my continuous pursuit of innovative solutions.

But the journey doesn’t end here. The healthcare landscape is constantly evolving, and staying ahead of the curve requires continuous learning and adaptation. I am committed to keeping myself updated with the latest trends and developments in the industry. This dedication ensures that my clients always receive the best possible advice and solutions.

So, if you’re a CFO in construction, nonprofit management, or transportation, and you’re tired of the annual health plan renewal nightmare, let’s have a conversation. I understand the challenges you face, and I have the expertise and experience to help you overcome them. Together, we can create a health plan that slashes costs, improves benefits, and enhances the overall well-being of your workforce.

In just one 20-minute call, I can walk you through real case studies of clients who have achieved multi-year renewals under 3%, without ever changing benefits, all while enhancing the health and talent of their workforce. You’ll see exactly how my straightforward process can transform your financial landscape.

The choice is yours: continue with the costly, ineffective status quo, or partner with me to construct a health plan that’s as ambitious and forward-thinking as your company.

Take the first step towards a healthier bottom line and a happier, more productive workforce. Reach out today and let’s start a conversation that could change the way you think about health insurance. Together, we can build a future where your health plan is a source of pride, not pain.

One call. One step. One decision. That’s all it takes to begin a journey towards remarkable results.

I’m Tony Chandler, and this is my journey. Let’s make yours just as remarkable.