Customized Group Benefits That Work

Negotiating rates to keep premiums affordable.

Creating fully customizable benefit plans.

Access to over 30 different insurers

Drug Diversion

How Drug Diversion Works

  • The drug diversion team is contacted when a high cost prescription is submitted at the pharmacy
    Specialty and high-cost drug claims are flagged when they enter the plan.

  • The member is contacted and supported
    A clinical team explains the program, manages consent, and provides one-on-one support.

  • Clinical appropriateness is confirmed
    The medication, dosage, and diagnosis are reviewed to ensure therapy is appropriate and uninterrupted.

  • Alternate funding options are pursued
    Eligible costs are redirected to manufacturer assistance, patient support programs, or other available funding sources.

  • Administration is handled on the member’s behalf
    Applications, paperwork, pharmacy coordination, and prescriber follow-ups are managed by the program.

  • Medication delivery continues without disruption
    Prescriptions are fulfilled through the most appropriate channel while maintaining continuity of care.

  • Plan drug costs are reduced
    Eligible claims are partially or fully removed from the group benefit plan.

  • Ongoing monitoring and renewals
    Funding is maintained over time to prevent claims from re-entering the plan.

  • Clear, employer-friendly reporting
    Employers receive aggregated savings and utilization reports—no private medical information.

About Waddell Benefits

  • Independent benefits broker focused on cost containment and smarter plan design.

  • Specialists in high-cost drug management and drug diversion solutions that protect your plan.

  • Experts at building custom benefit plans tailored to your workforce and budget.

  • Proactive renewal strategy that helps you avoid spikes, stabilize premiums, and improve sustainability.

  • White-glove support for employees with specialty drug needs — coverage found before the plan ever pays.

  • Full access to market-wide carrier options with unbiased recommendations.

  • Hands-on implementation support to ensure a smooth onboarding with minimal HR time.

  • A dedicated team that manages claims issues, coverage questions, and carrier escalations for you.

  • Clear analytics and reporting so you always understand where your benefits dollars are going.

  • Focused on delivering better benefits outcomes — healthier employees, predictable costs, and fewer headaches.

A friendly team meeting where Waddell Benefits consultants discuss custom plans with business clients.
A friendly team meeting where Waddell Benefits consultants discuss custom plans with business clients.

Our Services

Tailored group benefit plans that protect your team and your budget.

Plan Design

We craft benefit plans that fit your company’s unique needs and goals.

A business meeting where a consultant is presenting a custom benefits plan to a small group of professionals.
A business meeting where a consultant is presenting a custom benefits plan to a small group of professionals.
Cost Management

Negotiating premiums and managing details to keep your costs in check.

Close-up of hands reviewing financial documents and insurance policies at a desk.
Close-up of hands reviewing financial documents and insurance policies at a desk.

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How to keep more of your money with ASO!