Cost Calculator
PERMA FAIR can save self-funded employee benefits plans as much as 25% on healthcare costs.
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Why I joined PERMA FAIR
The healthcare system in the United States is often overwhelming — defined by complex regulations, rising costs, and processes that can feel far removed from the needs of patients and families. I have experienced that reality from multiple perspectives: as a professional within the health insurance industry and as a parent who has relied on the system to care for my own family.
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Why I joined PERMA FAIR
Healthcare in the United States is complicated, expensive, and too often frustrating for the very people it’s meant to serve. I know that firsthand, not just as a professional in the health insurance industry, but as a member myself. I began my career working in health insurance as an Administrative Assistant, supporting leadership, and learning how the system works behind the scenes. Later, I moved into a role at a large insurance company, where I expected better access, clearer answers, and more support. Instead, what I experienced was the opposite.
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Cut Through the Noise: Why Indexed Reimbursement is the Future of Fair Benefits
The latest national pricing data confirms what many employers already suspect: the same medical procedure can cost two to nine times more depending on the hospital, insurer, or even the contract. A bypass surgery at one Boston hospital, for instance, billed Aetna members nearly $50,000 less than UnitedHealthcare members, according to a recent Fierce Healthcare report on Trilliant Health’s transparency analysis
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PERMA FAIR Launches Solutions to Address Mounting Health Benefits Crisis for NJ Public Entities
In response to the escalating healthcare cost crisis facing New Jersey’s local governments and school districts, PERMA FAIR Health and Pharmacy (“PERMA FAIR”) has launched a comprehensive platform designed to reduce health benefit costs by up to 25% without compromising coverage or care.
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How I Found Purpose in a Flawed System
At PERMA FAIR, we believe in providing healthcare benefits that prioritize people. We care about empowering our members and fighting against an unjust system. We can’t fix the industry overnight, but we can give people the tools to stop being taken advantage of.
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Applying Smart Solutions to a Broken System
Healthcare costs are out of control. I don’t think that’s news to anyone. Most of us have felt the frustration—opening a bill we didn’t expect, skipping care because it’s just too expensive, or wondering why something so essential has to feel so complicated.
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Health Insurance That Works — And Why I’m Helping Build It
When I first heard the name PERMAFAIR, it caught me off guard — in the best possible way. It wasn’t a mash-up of tech jargon or a vague healthcare euphemism. It was a bold promise: to create a health insurance model built on permanence and fairness.
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Rewriting the Patient Experience Script
As a new Registered Nurse, I quickly experienced how broken our healthcare system was. Disease treatment was prioritized over prevention, and patient satisfaction surveys like Press Ganey often mattered more than real health outcomes.
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My Jerry Maguire Moment — Putting the Customer First
For the first eight years of my healthcare career, I was deep in the game. The investor game. The pitch deck game. The “scale fast, sell faster” game. But something was off.
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