Question 1

Do we have to change our existing health insurance?

Accepted Answer

Not necessarily. Some opportunities can be evaluated alongside your current coverage, including certain supplemental benefit programs. Any proposed changes to insurance should be explained before you decide to proceed.

Question 2

Can we keep our existing insurance carrier?

Accepted Answer

Potentially. Whether your current carrier and benefits can remain unchanged depends on the arrangement being considered.

Question 3

Is this a replacement for major medical insurance?

Accepted Answer

Not necessarily. Some programs supplement existing health insurance rather than replace it. Supplemental services should not be confused with comprehensive major medical coverage.

Question 4

How could our business reduce healthcare expenses?

Accepted Answer

Opportunities may include eligible payroll tax efficiencies, changes in benefit spending, or alternative financial approaches using existing resources. Each has different requirements, costs, and potential outcomes.

Question 5

Will this cost our company more money?

Accepted Answer

Our objective is to evaluate whether your business can improve its net financial position. Some programs involve fees or other expenses, so potential savings must be considered alongside costs. Existing resources have opportunity costs; financial strategies may involve investment risk, financing costs, tax consequences, and liquidity restrictions.

Question 6

How much could our business save?

Accepted Answer

That depends on your employee population, existing benefits, payroll structure, program eligibility, and other factors. We do not guarantee a fixed savings amount or percentage.

Question 7

Are these savings guaranteed?

Accepted Answer

No. Every employer’s circumstances are different, and financial results depend on the strategy and its actual implementation.

Question 8

Will employees have to pay more?

Accepted Answer

Not necessarily. We look for arrangements that provide valuable benefits without unnecessarily increasing employee expenses. However, payroll deductions, taxes, take-home pay, and potential out-of-pocket costs must be reviewed.

Question 9

Can employees receive additional benefits?

Accepted Answer

Depending on the selected program, employees may have access to additional healthcare, prescription, wellness, or support services.

Question 10

Will employee benefits be reduced?

Accepted Answer

The goal is to explore alternatives without unnecessarily reducing employee value. Any changes in coverage or benefits must be evaluated individually.

Question 11

Is the initial review complimentary?

Accepted Answer

Yes. The introductory 15-minute employer review is complimentary and carries no obligation to implement a program.

Question 12

What happens during the review?

Accepted Answer

We’ll ask about your business, employee population, existing benefits, and financial objectives. Then we’ll discuss whether there may be an opportunity worth evaluating further.

Question 13

Do we need to prepare anything?

Accepted Answer

For the initial conversation, it helps to know approximately how many employees you have and what concerns you most about current healthcare expenses. Detailed financial records are not required for the introductory conversation.

Question 14

What happens if we qualify?

Accepted Answer

We’ll explain any appropriate next steps, including additional information needed to evaluate the potential financial benefit, costs, and requirements. The website form submits a request; it does not reserve an appointment time.

Common Questions About Reducing Employer Healthcare Costs.

Health Insurance

Financial Questions

Employees

The Process

Have Questions About Your Company’s Healthcare Costs?