The MJ Companies

For most employers, pharmacy feels like a simple equation: more prescriptions = more cost.

Utilization goes up, spend follows. That’s been the assumption for years. But what we’re seeing across parts of the market—and within MJ’s CaptuRe captive—is challenging that thinking.

It’s possible to have more utilization and lower costs...

Temperatures are dropping, Halloween decorations are already out, and you know what that means: It’s time for most organizations to finalize salary increase budgets for the new fiscal year.

Within the wide range of considerations, priorities fluctuate inside and outside any specific organization. Because decisions around salary impact workplace culture, recruiting...

Until pretty recently, commercial safety programs focused exclusively on physical threats. Industrial, manufacturing, and construction companies invested heavily in physical safeguards—from fall protection and electrical safety to machine guarding and hazardous materials protocols. These measures are essential, but they don’t treat the whole person.

Safety culture...

Poverty is a lot more than not having adequate income. It’s stress that impacts health and affects how children develop and whether they become equipped to achieve upward mobility. It’s impossible choices, like whether to pay the electric bill or buy groceries. And it’s based to a large extent on how and where you grew up. In other words, poverty is part of a system that can...

Commercial property insurance claims can arise from numerous unexpected events. An electrical fire may destroy critical equipment; a severe storm may hit without warning, damaging a building’s exterior and allowing water to enter the property; or an act of vandalism may damage fixtures, resulting in significant repair expenses. These and other incidents can cause substantial...