Rodney Mattos Show

In this episode of Blueprints for Better Benefits, Rodney Matos Jr. and Rodney Sr. break down what happens when a catastrophic claim hits a self-funded health plan. From premature births and specialty drugs to serious workplace injuries, they explain how a properly structured self-funded plan, stop-loss insurance, aggregate stop-loss, and a captive health plan can help employers contain risk, prot...

In this episode of Blueprints for Better Benefits, Rodney Mattos Jr. and Rodney Sr. break down how CFOs can move from simply absorbing rising health insurance premiums to actively managing cash flow in self-funded plans. If you are a CFO, controller, HR leader, or employer responsible for your organization’s P and L, this conversation will help you understand why self-funded health plans can offer...

Are you a small business owner with 20 to 50 employees wondering why your health insurance costs keep rising every year? In this episode of Blueprints for Better Benefits, Rodney Mattos breaks down why many small employers are paying too much for health insurance and what they can do about it. If you’ve been told your company is too small to explore better options, this conversation challenges tha...

What is the real cost of being fully insured? In this episode of Blueprints for Better Benefits, Rodney Mattos breaks down why fully insured health plans often create rising healthcare costs, limited transparency, and reduced employer control. For many organizations, what looks like stability on the surface can actually hide misaligned incentives, renewal increases, and missed opportunities to imp...

In this episode of Blueprints for Better Benefits, Rodney Mattos Jr. and Rodney Mattos Sr. challenge one of the most persistent myths in employee benefits, that small and mid-sized employers are too small to self-fund. For employers who have been told they need hundreds or thousands of employees before self-funding becomes viable, this episode explains why that belief is outdated, what has changed...

In this episode of Blueprints for Better Benefits, Rodney Mattos Jr. and Rodney Mattos Sr. unpack one of the biggest reasons employers stay stuck in fully insured health plans: broker incentives that reward rising premiums and discourage better options.   For employers frustrated by repeat renewals, limited transparency, and the same carrier-driven recommendations year after year, this episode exp...

In this episode of Blueprints for Better Benefits, Rodney Mattos Jr. and Rodney Mattos Sr. break down what actually happens when an employer moves from a fully insured plan to a self-funded or captive model.   For employers considering a change but worried about confusion, disruption, or employee backlash, this episode offers a practical walkthrough of what stays the same, what changes behind the...

In this episode of Blueprints for Better Benefits, Rodney Mattos Jr. and Rodney Mattos Sr. unpack what legal teams need to know about self-funding, especially the responsibilities many employers misunderstand or address too late.   From ERISA fiduciary duties and plan documents to HIPAA oversight, vendor contracts, and non-discrimination testing, this episode explains what legal teams, HR leaders,...

What if the fastest way to grow your agency wasn’t hiring more people, but removing friction? In this episode of The Rodney Mattos Show, Rodney Mattos Sr. sits down with Andy Neary to break down how artificial intelligence is quietly transforming independent insurance agencies and why those who embrace it early are building a massive competitive advantage. This isn’t an AI hype episode. It’s a rea...

If you’re an employer staring down another renewal and feeling that familiar knot in your stomach, this episode is for you. In Episode 8 of Blueprints for Better Benefits, Rodney Mattos Jr. and Rodney Mattos Sr. go straight at the thing that stops most leaders from taking control of their health plan: fear. Not abstract fear. The real kind, felt by CFOs who need predictability, HR teams who are al...

What if there was a benefits strategy that wasn’t too rigid… and wasn’t too risky…but just right? In Segment 7 of Blueprints for Better Benefits, we introduce GuidedEdge®, Triforta’s proprietary alternative funding methodology designed for employers who feel trapped between high-cost fully insured plans and the perceived risk of full self-funding. GuidedEdge is the bridge, combining the predictabi...

In Part 6 of Blueprints for Better Benefits, we step out of theory and into the field. This episode brings together real employer case studies that show how Triforta’s integrated approach to benefits, cost containment, and risk  management delivers measurable results, across industries, geographies, and complexity levels. These aren’t hypothetical scenarios. They’re real employers who faced rising...

In this episode of Blueprints for Better Benefits, we introduce the strategy that transforms self-funding from a smart decision into a stable, long-term solution: Captives. Up to this point in the series, we’ve covered the core building blocks of better benefits, self-funding, stop-loss protection, transparent PBMs, GuidedEdge, and integrated cost containment. But even with a well-designed self-fu...

In Part 4 of Blueprints for Better Benefits, we move from “self-funding basics” to what employers actually want next: consistent savings and predictable stability. So far in this series, we’ve covered how self-funding—paired with stop-loss and pass-through PBMs can reshape your benefits spend. Now we take it further. This episode introduces Triforta’s Integrated Cost-Management Platform (ICM), our...

In this episode of Blueprints for Better Benefits, we demystify one of the most important, and misunderstood, components of self-funded health plans: stop-loss insurance. Self-funding gives employers control over plan design and healthcare spend. Stop-loss provides the protection that makes that control practical and predictable. We explain how stop-loss works, why most Fortune 100 companies rely...

In this episode of Blueprints for Better Benefits, we unpack one of the most misunderstood drivers of rising healthcare costs: pharmacy rebates. Rebates are often positioned as savings, but in practice they frequently inflate drug prices, reduce transparency, and shift costs onto employers and employees. We explain how Pharmacy Benefit Managers (PBMs) negotiate rebates, why those dollars rarely re...

In this episode of Blueprints for Better Benefits, we unravel the uncomfortable truth behind fully-insured healthcare and why it no longer serves the employers who rely on it. What once promised predictability has now become a system defined by rising costs, shrinking flexibility, and little to no transparency. We break down why premiums continue to skyrocket, how rate increases are often disconne...

Change is barreling down the haul road and we’re riding shotgun! In this father-and-son deep-dive, Rodney Jr. grills Rodney Sr. on the White House’s new “Most-Favored-Nation” executive order, the secret costs hiding inside PBM contracts, and three instant levers from the Triforta Benefits Playbook that can chop thousands off your next renewal. Whether you run benefits for a 700-employee mine or a...

Episode: Blueprints for Better Benefits – How Triforta Is Fixing America’s Broken Healthcare System  Host: Rodney Jr.  Guest Expert: Rodney Sr., Founder & CEO of Triforta In this episode, we’re pulling back the curtain on the rising costs, hidden mechanics, and overlooked opportunities inside America’s healthcare system. For decades, our team of actuaries, analysts, underwriters, and AI-engine...

Revolutionizing Insurance & Healthcare Cost Containment In this exclusive interview, Rodney Mattos Sr., Founder & CEO of Triforta, sits down with Andy Neary to share his game-changing approach to insurance, healthcare, and cost containment for employers. ✅ How Triforta is tackling the broken healthcare system ✅ Cost-saving strategies for businesses of all sizes ✅ Why traditional insuran...