Why Most Health Plans Fail and How Captives Change the Game with Buzz Hannum and Tonya Crawford
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Matt is joined by Buzz Hannum and Tonya Crawford, who share their journeys into the insurance and healthcare space and how they came together at Crumdale Specialty. Buzz started on the broker side, developing a focus on risk management and alternative financing, while Tonya transitioned from a clinical healthcare role into the business side, keeping patient outcomes at the center of her work. Together, they explain how Crumdale’s approach differs from traditional models by guiding employers through a phased transition from fully insured plans to captive solutions, using data, cost containment strategies, and integrated services to reduce costs and improve outcomes. They also highlight the importance of alignment, transparency, and partnership with brokers—positioning Crumdale as a true extension of their teams in an increasingly complex and fragmented healthcare market.