Paul H. Flowers Jr.Paul H. Flowers Jr.Senior Business Consultant, Superior Insurance Advisors, LLC Β· 2024 Hot 100 honoree. 2026 Health Value Award. Fiduciary process documented. 30 to 40 percent health-plan savings for 100 to 2,000 employee CFOs. 3x number one bestseller.

Paul H. Flowers Jr.'s videos and podcasts

2,194 items

Q&A

Why do our health insurance premiums keep rising?

2mo ago
paulhflowersjr.substack.com

Paul H Flowers Jr

Substack

2mo ago
linkedin.com

Renewal season is not the time to learn captives as shock absorbers for health plan risk. New issue...

2mo ago
@paulhflowersjr

you fund every claim in your health plan. so why does the report explaining them belong to someone e...

2mo ago
@paulhflowersjr

From my book: a $1,200 hospital indemnity payout o...

2mo ago
0:46
youtube.com

The Report You've Never Seen: Who Really Owns Your Claims Data

2mo ago
@paulhflowersjr

CFOs: three numbers tell the story of your health plan β€” and odds are you've only ever been shown on...

2mo ago
@paulhflowersjr

Hospital indemnity insurance, in one line: you get...

2mo ago
linkedin.com

A $5,000 deductible looks like cost control on a spreadsheet. In a hospital admissions office, it lo...

2mo ago
0:55
youtube.com

Hospital Indemnity: The Bridge Across Your Deductible Gap

2mo ago
paulhflowersjr.substack.com

Reference-Based Pricing: What Hospitals Want Employers to Know

2mo ago
@paulhflowersjr

a hospital stay shouldn't drain your savings before insurance even wakes up πŸ’› your deductible is th...

2mo ago
linkedin.com

Imagine a supplier who bills you seven figures a year and refuses to itemize the invoice. You'd fir...

2mo ago
@paulhflowersjr

CHROs: somewhere in a filing cabinet you'll never ...

2mo ago
linkedin.com

Hospitals hear reference-based pricing differently than employers do. New issue is ready: Reference...

2mo ago
@paulhflowersjr

there's a tax nobody voted on β€” and it shows up in your renewal every single year 🧾 the longer you ...

2mo ago
@paulhflowersjr

CHROs: recruiting fights for talent with the same ...

2mo ago
0:35
youtube.com

The Loyalty Tax: What Staying With Your Carrier Really Costs

2mo ago
@paulhflowersjr

CHROs: before you defend this year's benefits number in another budget meeting β€” six truths worth re...

2mo ago
@paulhflowersjr

Term life insurance: pure protection, fixed price,...

2mo ago
linkedin.com

Life insurance, taught the way I'd teach my own family. There are two kinds that matter. Term cover...

2mo ago
0:44
youtube.com

Term vs Whole Life Insurance, Explained Plain β€” Which One Your Family Actually Needs

2mo ago
@paulhflowersjr

nobody teaches you how to buy life insurance β€” so here it is, plain πŸ’› term vs whole in under a minu...

2mo ago
linkedin.com

CFOs: there's a line in your budget that gets more expensive every year precisely because you never ...

2mo ago
@paulhflowersjr

CEOs: your carrier keeps two price lists. One for ...

2mo ago
@paulhflowersjr

the same scan. the same machine. a different address β€” and a very different bill πŸ₯ your health plan ...

2mo ago
@paulhflowersjr

People trust benefits they can predict.

2mo ago
0:41
youtube.com

Why the Same Scan Costs Triple Across the Street

2mo ago
@paulhflowersjr

Three numbers, one story β€” and the building your people walk into is quietly writing all three. πŸ“Š C...

2mo ago
@paulhflowersjr

Big claims don't start big. They start as a sympt...

2mo ago