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Not a week goes by without someone asking: “Does our plan cover Ozempic? “What about Wegovy or Mounjaro?” If you're a small business owner, you’re probably hearing the buzz too. GLP-1 medications—first created for diabetes—have become increasingly popular for weight management and are being discussed as potential long-term health tools. But the real question is: Should your plan cover them? Before we dive in, here’s an important clarification: “Clinical decisions always belon

Health insurance premiums could jump 20–75% in 2026. Learn what’s driving the increases—marketplace shifts, employer changes, drug costs—and get practical steps to protect yourself now.

About ten years ago, I had the opportunity to assist a member with a challenging case that required persistence, empathy, and a deep understanding of insurance policies. This member was undergoing hormone therapy and preparing for surgery, and I had interacted with her before, so she knew me and trusted my ability to help. The Challenge: Experimental Treatment Denials The member was calling about her hormone therapy treatments, which at the time were considered experimental u