The decision test
What has to be true for this answer to hold?
A useful recommendation makes its assumptions visible. Test one and see how much the conclusion depends on it.
If one hidden input can reverse the answer, it belongs in the room.
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For the people responsible for the plan
Employee benefits is full of expensive decisions that end with some version of “trust me.” The Explainable Broker shows the work: the assumptions, arithmetic, alternatives, and limitations behind the recommendation.
The decision test
A useful recommendation makes its assumptions visible. Test one and see how much the conclusion depends on it.
If one hidden input can reverse the answer, it belongs in the room.
The Readout · Newsletter
Latest Readout
A blanket exclusion and open coverage are not the only choices. Issue 02 works through a narrower clinical pathway, its budget, and the questions that make the gate credible.
Read Issue 02Free resources
Work through a sample projection or use a one-page framework to turn a discussion into a decision.
Excel workbook · Synthetic data · Visible formulas
Follow the assumptions from claims experience to expected and maximum cost.
One-page PDF · The Mahoney Group
Clarify the facts, decision owners, options, and next action.
Why this exists
After 15 years in the employee benefits and consulting space, I have learned this: the math is not the decision. But if nobody can show you the math, it is hard to know what you are actually deciding.
About ScottWhat The Readout covers
Change one, and the other two move with it.
Separate signal from noise before one number becomes the story.
Match the change to the problem, not just the quote.
Test whether the plan still works when someone has to use it.
From the Lab · Synthetic example
Synthetic cases isolate the arithmetic, assumptions, and limits without exposing a real employer or member.
Explore the LabTwo ways in
Some questions belong in a future Readout. Others need a live conversation.
Send the decision, the options, and the part that refuses to make sense. Keep names and private details out.
Submit a caseIf a benefits decision is in front of you now, skip the form. Book 30 minutes and bring the question.
Schedule 30 minutes