Ditch the traditional health insurance track.
What sets us apart
Want to learn more? Contact us here Today!
Our unwavering commitment to help mid-sized employers reduce the cost of employee benefits through financial transparency.
The Current State Of The Industry
Since 1999, the financial burden of health insurance on workers and families has intensified significantly. Family premiums have ballooned by 288%, and workers’ contributions to health insurance have surged by 296%. Meanwhile, workers' earnings have only increased by 103%, and overall inflation has risen by just 73%.
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits; BLS; Interviews;
How the Industry proposes controlling costs:
Manage costs by reducing overall benefits provided:
Increased Employee Deductibles
Increased Employee Copays
Reduced Prescription Benefits
“Negotiate” Without Data Transparency:
Effective negotiation requires robust data to understand cost structures, utilization patterns, and benchmarks.
Without data, negotiations may not yield optimal results or desired cost savings.
If you want better results, you need a different solution.
Here’s our Approach:
Transparency and Data-Driven Insights
We partner with administrators who work on your behalf. This collaboration ensures that you have seamless access to all the financial data they manage for your organization. Having this critical information at your fingertips is the key to making informed financial and benefit decisions. It empowers you to negotiate from a strategic position, armed with comprehensive and accurate data.
Targeted Cost-Containment Solutions
We empower employers to take control of rising benefit costs by utilizing custom data to pinpoint areas within your health plan that offer the most potential for financial savings. By partnering with carefully vetted partners, we implement services that ensure your employees receive the highest quality care at the best possible cost. Our strategic approach not only helps manage expenses but also enhances the overall value of your health benefits, fostering a healthier and more financially sustainable workplace.
Mitigation of your financial risks
We employ a comprehensive strategy that includes risk pooling, stop-loss insurance, and continuous claim monitoring. By pooling risks across our member base, we stabilize year-to-year premium fluctuations and protect against high-cost claims. Stop-loss insurance provides an additional layer of protection, capping the amount paid for claims to safeguard your financial exposure. Our regular monitoring and analysis enable us to proactively address potential risks and adjust our partners' strategies as needed, ensuring your financial stability and peace of mind.
Employee satisfaction through comprehensive benefits
Unlike the industry norm of reducing employee benefits to control costs, our client partners enjoy comprehensive and tailored benefits packages. By owning your benefits plan and utilizing your unique plan data, we customize your employee benefits to meet their specific needs. This approach ensures that you’re not paying for unnecessary benefits, but rather providing what your employees truly value. Our method allows for the creation of benefits packages that align with employee demands while maintaining cost efficiency, ensuring satisfaction and loyalty among your workforce.