Trust, But Verify: Why Your TPA May Be Selling Your Employees’…

The Benefit Whisperer

Trust, But Verify: Why Your TPA May Be Selling Your Employees’ Data (Ep. 31)

October 20, 2025

Ralph Weber welcomes back Ann Lewandowski to unpack one of the most overlooked threats in benefits: your data. This episode exposes how TPAs and PBMs can legally profit from “de-identified” plan data, why HIPAA offers false comfort, and what transparency should mean in 2025. If you’re a plan sponsor, this is essential listening.

00:00 The Importance of Trust in Benefits

02:35 Understanding Healthcare Operations and Compliance

05:12 Evaluating Individual vs. Group Health Plans

08:10 The Role of Fiduciaries in Employee Benefits

10:45 Identifying Misaligned Incentives

13:18 Trust but Verify: The Need for Transparency

16:08 Employee Trust and Data Privacy

18:56 Wellness Programs and Legal Risks

21:32 The Future of Wellness Litigation

24:16 Data-Driven Decision Making in Healthcare

Guest: Ann Lewandowski

Website: hcrebelalliance.com