Every year, the cost of health care is devouring your profits. Healthcare is the second or third biggest line item on the P & L. And it keeps getting bigger
Do you feel trapped in the tentacles of the big health insurance monster?
How would you feel if you could lower your premiums, and still maintain the same benefit package?
We’re the secret weapon that C-Suite & HR Leaders rely on to offer more efficient and less expensive ways to obtain their healthcare insurance. We strive to reduce the cost of their premiums 10-20% without cutting benefits.
“Dave & his team have helped us with our health insurance for seven years. Recently we changed our health insurance to level funding. Our experience has been incredible & premiums decreased for the first time in 7 years. We received an $85,000 refund check from the insurance company! Employees continue to have the same excellent healthcare plan that they have had for years. Insight Insurance Services is a great partner for us. If they don’t have the answer to the questions, they will find them for you.”
The Health Insurance Monster
The way health insurance works, unfortunately, is you end up paying a massive amount of money to this big insurance company and every year they raise the rates. 11% here and another 15% there and the health insurance monster is born. The terrifying part is that we have no control; the monster keeps growing and eating more of our profits each year.
The health insurance monster gives you nothing in return -no claims information, and certainly no reward if your employees are healthy & have fewer claims. Your employees are subsidizing everyone the insurance company insures! The health insurance monster is your worst “employee expense” – time to fire it!
“I love working with Dave. He is a hard worker, phenomenal networker and knows his products better than most brokers I have worked with.”
How we help you tame it
“Dave has worked with us for over 15 years and has always had our best interest. We recently changed our healthcare plan to level funding. For the first time in more than six years our premiums went down. Dave thinks outside of the box and provides excellent service to our employees. Give Dave a call. “
Our approach is, why should you subsidize everybody in the Insurance Company? Why shouldn’t your premiums be based on your employee’s health risk & claims instead of the insurance company’s?
If employees are less risk and healthier, why shouldn’t you get some of your money back If it’s not all spent on claims? The insurance company is never going to tell you how much they have paid out in claims. Now you can take control back and pay proportionately, and even get money back if claims are low.
Most companies don’t know that there is an alternative. However, there is a secret to controlling healthcare, and it is more equitable control, insight, transparency. The secret is fair for your business, not the health insurance monster. I know that sounds simple, but that’s been the missing piece in healthcare. We strive to reduce the cost of their premiums 10-20% without cutting benefits.
Our advice has resulted in clients receiving a refund check from their insurance company; one client received $85,000, and another received $6000. There is a better way to provide benefits to your employees
If you or a business owner/CFO that is tired of being trapped in the health insurance monster, I’m happy to come in and do a free audit.
Schedule an appointment today to save the health insurance monster.