Listening, Understanding, 

Preparing

Employer Group Medical Plans

We as a consultant/broker in the employer group medical plan arena must first listen and understand the priorities, needs and objectives of our client. Without having an understanding of the client's needs we cannot help them achieve their goals.

We listen, understand and then implement actions and strategies for our clients.

Our expertise is current as to technologies and methods to identify risk, predict risk and align strategies for risk reduction and sustainability for our client's plans

This is especially important in today's economy and in preparation for full implementation of the PPACA (health reform act) in 2014.

We can help you achieve, your priorities, providing meaningful and cost effective plan designs and funding to sustain your employee group medical plans now, and with a valid budget for the future. With our methods and technology we can provide meaningful 3-5 year medical plan budgets.

Our emphasis and experience is on self funded medical plans.  We find this arrangement the most flexible, productive and creative way to approach and utilize today’s methods and technology for cost and benefit efficiencies.

We find that high deductible health plan designs, along with their attendant Health Savings Accounts offer flexibility and creativity in funding and sustainable costs.

From a business insurance perspective, our approach is similar to that of our property/casualty counterparts in that we like to think in terms of risk management, risk avoidance and risk assumption. We like this approach since it melds with managing and avoiding undue expense to our clients and at the same time applying certain strategies to review what provides a suitable return to the client no matter by what method they are judged.  We plan for both short term and long term solutions.

 At the same time we realize that the kinds of plans and programs on which we consult affect the lives of employees and their families.

 Therefore, we offer ideas and strategies impacting on the balance between cost effectiveness and perceived value by the employees and their dependents.