the way we see it

There's A Problem

with HOw it's "always been done"

Costs go up every year, even when no one uses the benefits, and there's rarely a long term plan to manage costs and risk.

People avoid care because of out of pocket costs, and end up missing work because of it.

There's no actual help when you ask questions and you're the one(s) doing all the work

How Does This Sound Instead...

A plan for minimizing costs/risk and maybe even some money back. Plus, a partner working with you so you get answers when you need them.

People getting care when and how they need it, and help figuring out where to get the best care.

Employees having fun learning about their benefits and help signing up so they don't have to do it alone.

Creative ideas to put the pieces together so you build benefits exactly how you want them.

Sound too good to be true?

If you're here, there's a reason...

WE BELIEVE

Your greatest WELLTH lies in your people. When you take care of your people, they take care of your business.

When your team is bought in to your mission and vision they will represent you in the best way possible. Going the extra mile even when they don’t have to.

Getting the best possible benefits in place is a journey, one that requires the VEHICLE that works best and the right co-pilot guiding the way.

Healthy people are more productive and when they don’t have to worry about the cost of getting care they will get it when they need it.

Real world examples

What Others Are Doing

"We needed a partner to help take the workload off of us"

What Was Implemented:

Done for them employee education

Simplified enrollment with technology
Long term plan for future changes

"We were having to figure things out on our own, and wanted someone to help us."

What Was Implemented:

Benefit options for all employee levels
Employees able to get care with no additional out of pocket costs
A way to figure out the right doctor that was backed by data. (i.e. Not asking on social media)

"Our industry is known for high turnover and we had trouble keeping up with changes"

What Was Implemented:

New employee onboarding
Technology integrations for new hires and separations
Vesting certain benefits for retention

"We were tired of paying insurance companies for never getting care"

What Was Implemented:

Ability to see a doctor whenever needed with no additional costs.
Membership based plan so that the community as a whole was helped, even if no care was needed

How do you get where you want to go?

Choose Your Vehicle

You’re here for employee benefits, so why are we talking about vehicles?

A coach once told us, “A business is a vehicle that helps you get from Point A to Point B.

If it’s not going to get you where you want to go, it’s time to change vehicles.”

The “vehicle” we’re talking about here is health insurance, we've broken it down into three categories below.

For clarity, there's also some information how they each work in every day terms.

Traditional

Fully Insured Plans

Everyone knows the logo.
People are comfortable with how it works.
Most understand how to use it.
The easy button.
The insurance carrier controls all information and data.
There's a possibility to get some of the money back that isn't spent in claims depending on how the insurance carrier handles things.
Employees leave the control of how to use the plan up to the insurance carrier and you, little thought is given to shopping for the best price.

Learn more

Most Familiar

Least Flexibility

Hybrid

Level Funded Plans

Doesn't have the big logo, but still uses their network.
People have a small learning curve on how it works.
Most understand how to use it.
Takes some planning and education.
The insurance carrier(s) shares some information and data.
There's a possibility to get some of the money back that isn't spent in claims depending on how people are using the plan.
Employees start learning how to take control of how they use the plan and how to be a smart shopper to get the best care for the best price.

Learn more

Somewhat Familiar

Somewhat Flexible

Custom

Self Funded Plans

Doesn't have the big logo, which is a pro and a con at times.
Has flexibility to do things the others can't.
People have a steep learning curve on how it works.
People learn how to use it.
Takes more planning and education.
There is full transparency in information and data that helps with long term planning.
Employees take control of how they use the plan and become smart shoppers to get the best care for the best price.