Clients' Stories

MANUFACTURER – 200 Employees

Our business relationship began in 1990 as this client transitioned to a SELF-INSURED health plan. In 2002, the desire to access Blue Cross and Blue Shield provider discounts resulted in the transition to a fully insured PPO plan. In 2008, the plan became SELF-INSURED again, and added a high deductible health plan option with HEALTH SAVINGS ACCOUNTS. Health plan costs are 35% below the Kaiser / HRET Study national average.

NATIONAL MISSIONARY ORGANIZATION - 500 Employees & Retirees

The option for HSA's, HRA's and FSA's round out the health benefits offering for the active missionaries who live and promote Christianity in more than 30 states, requires good communications and detailed coordination.  A self insured supplement plan secordary to Medicare is offered to retired missionaries and includes a fully insured Part D prescription solution.  Managing value, expenses and supplemental retirement savins is achieved through the programs offered.

HOSPITAL NETWORK – 6,000 Employees

Our business relationship began in 1997 as this client desired an objective review of claims administration alternatives for their SELF-INSURED health plan. In addition to subsequent reviews and negotiations, additional services and projects include administration of their FLEXIBLE SPENDING ACCOUNTS plan, STOP LOSS INSURANCE brokerage, ONLINE COMMUNICATIONS and employee self service OPEN ENROLLMENT solution.

AUTOMOBILE DEALERSHIP GROUP – 200 Employees

Our business relationship began in 2003 with the introduction of an UPFRONT DEDUCTIBLE health plan including a HEALTH REIMBURSEMENT ARRANGEMENT. Brokerage of group and voluntary LIFE INSURANCE, DISABILITY INSURANCE, DENTAL & VISION plans compliment our administration of this mega-dealer’s HRA & FSA. PAYROLL CONTRIBUTIONS have been lowered two years in a row and health plan costs are 25% below the Kaiser / HRET Study national average.

GENERAL CONTRACTOR – 20 Employees

Our business relationship began in 2008 with the introduction of a QUALIFIED HIGH DEDUCTIBLE HEALTH PLAN including HEALTH SAVINGS ACCOUNTS for the owners and a HEALTH REIMBURSEMENT ARRANGEMENT for staff. First year savings of 30% were followed by a change in health insurer in 2009 to achieve an additional premium savings of 25%. Employees receive 100% reimbursement of the first half of their deductible along with multiple years of PAYROLL CONTRIBUTION REDUCTIONS. Health plan costs are 5% below the Kaiser / HRET Study national average.

RETAIL SERVICE COMPANY - 700 Employees

This self insured employer maintains 40 locations in 10 states and offers a high deductible health plan with HSA's, along with a PPO plan.  Flexible Spending Accounts (FSA) are available along with incentives for seeking out preventive care services.  A spousal coverage coordination policy, along with proactive involvement in the plan by the CEO results in benefit plan expenses below national averages. 

PHYSICIAN PRACTICE – 25 Employees

Our business relationship began in 2009 with the introduction of a QUALIFIED HIGH DEDUCTIBLE HEALTH PLAN including HEALTH SAVINGS ACCOUNTS for the physician owners and a HEALTH REIMBURSEMENT ARRANGEMENT for staff. First year savings of 20% were complimented by a 6% renewal increase in 2010. Administration of FLEXIBLE SPENDING ACCOUNTS along with brokerage of group and voluntary LIFE INSURANCE, DISABILITY INSURANCE, DENTAL & VISION plans compliment our oversight of their benefit plans. Health plan costs are 15% below the Kaiser / HRET Study national average.