Our challenge is to find what is best for your employees and their families.

Medical benefits are the most challenging employee benefit. 

PTO, holidays, 401k’s are easy to put in place and manage year to year.  Health insurance is complicated, expensive, constantly changing, and:

• Each employee is unique in their health and financial situation
• It is expensive, everyone involved has budget constraints
• Each year coverage and out of pocket fees get worse, navigating the system is hard
• Many employees think health insurance is the employer’s responsibility
• Industry consolidation and regulations do not favor the individuals or small business 

With a long-term holistic approach to employee benefits you will reduce costs and match your employee’s health insurance needs.

APPROACH

I listen and provide the answers you need, even to the questions you don’t know to ask. I ask relevant questions and share my knowledge of the industry. We will focus on your objectives, identify and solve problems. Together we create a benefit and employee experience that reflects your company. 

Usually what happens with annual renewals is companies:

• Accept renewal increases
• Absorb the increase or raise employee contributions
• Decrease coverage that increases employee out of pocket medical expenses
• Get 3 quotes on the wrong plans at renewal time
• Are frustrated and have no time or energy to make improvements
• Have no long-term strategy

THIS HAS WORKED VERY WELL FOR INSURANCE COMPANIES, NOT CONSUMERS

GET STARTED NOW 

Frequently, a good start is to fully understand why your current plan is in place.   

To do the above you will need to understand fully insured, level-funded, self-funded models.  It is imperative to know the difference between PPO, HMO, EPO, HDHP, HRA.  Each of these plans have numerous deductibles, copays, coinsurance, and out-of-pocket maximums; there are hundreds of options with monthly premiums that range from $250 - $1,500.

• Decide what is most important to you:
  • reduce premiums and expenses by 20%
  • offer more choices to employees
  • educate employees so they take greater responsibility
• Start a conversation with me now; share your concerns, ask for recommendations. Do not wait until 2 months before renewal.
• When I understand your employee demographics, I will create a plan as a starting point. I do not require a census and current invoices.

Schedule a 15-minute call with me, we will figure out where to start