Beyond the Expected
Major Medical Strategies
We believe you deserve a tailored major medical plan that meets your employees needs at a price point that fits their budget and yours, and we take a special interest in reducing your companies spend without reducing benefits. The innovative solutions we offer are typically limited to Large groups, we bring that tailored flexibility to small and medium sized businesses as well. We don’t believe in a one size fits all approach.
We combine comprehensive strategies and technology to ease your HR staff’s load and implement benefits strategies that help attract and retain the talent you want to hire. We offer fully insured plans, level funded plans, reference based pricing plans whether right off the rack with all the major carriers or something designed specifically to fit your needs. We have hybrid premium return medical plan strategies developed through close relationships with the best TPA’s and carriers in the industry. We use both fully insured plans as well as self-insured plans to accomplish your goals. Upon implementation we often see overall health insurance premiums decrease between 25 and 40%, employees will see reduced single and family rates and will also experience a dramatic reduction in the out-of-pocket expense from deductibles and coinsurance, thus reducing the burden of compliance with the “Affordability Clause” of the ACA.
These plans help employers reduce and stabilize major medical premiums. We can customize this approach to work in conjunction with any primary health insurance provider in the market. These concepts have empowered many companies and municipalities to take proactive roles in managing their health insurance plan and minimizing renewal increases. We give employers the potential to retain a portion of the premiums paid that are normally absorbed by major medical carriers as pure profit. These approaches have empowered our clients to effectively use a planning strategy funded by improved claims experience to minimize their exposure to any future renewal increases, the funds returned to your company can also be used to fund retirement planning strategies, employee cost of living increases, and employer paid benefits as examples of other’s we have helped have done.