New Employer Health BenefitsRevolutionary Ideas That Leave Traditional Health Insurance In The Past
Tired of Status Quo Employer Health Insurance?
So were we!
Does it seem like year after year, there’s almost nothing you can do about the health insurance problem? The rates go up, the coverage goes down, and you get stuck splitting the increase with your already frustrated employees.
Well guess what, you’re not alone!
It’s clear that group health insurance has become a bad investment, and it’s making nobody happy. We set-out on a mission to find a better way, to offer great health benefits that employees would appreciate, save the company money, and satisfy the ACA. Using the most innovative ideas and latest strategies we help employers of all sizes to provide great health benefits that employees want, for less money.
Medical Cost Sharing
Medical Cost Sharing is a innovative new alternative to health insurance. Its built on a 35 year history of community based sharing. An outstanding and affordable alternative to group health insurance for employers with less than 50 employees. This will save most employers 30-50% vs group health insurance.
Employers with 50+ employees can use an ICHRA with Medical Cost Sharing alongside to produce similar savings and happier employees, all in an ACA compliant way.
ICHRA – Individual Coverage Health Reimbursement Arrangement
Wouldn’t it be great if you could just give your employees some money each month to purchase a health plan of their own choosing?
The new ICHRA rules do just that. It means that now, any size employer can eliminate group health insurance for good. ICHRA is just like a 401K but for health benefits. Instead of buying group insurance, the company just contributes a certain dollar amount. Employees have total control and choice over their own health benefits and finances. It’s a whole new approach to health benefits that just works better for everyone.
Employees are free to spend the employer’s contribution on individual health insurance if they need it or lower cost medical cost sharing plans if they are more healthy. No employee gets left behind by group health insurance that is too expensive or just doesn’t meet their needs.
With our ICHRA strategy every employee gets a personal virtual primary care doctor at no cost. Free unlimited primary care from their own personal doctor makes an employee healthy and happy. Employees also get reimbursed for preventative care, dental, and vision exams.
Just as 401K replaced pensions, ICHRA is the new gold standard in employee health benefits. It’s better than group insurance for recruiting, retaining, and rewarding great employees.
A well executed ICHRA strategy puts less stress on the business and saves most employers around 30% compared to their group health insurance. Get in touch and we can help you figure out if an ICHRA strategy would work for your company.
Direct Primary Care
With Direct Primary Care (DPC) arrangement (or its ‘virtual cousin’ VDPC) members pay a low monthly fee for unlimited access to their personal doctor. No co-pays or per-visit fees except for things like labs or imaging members get exclusive ‘doctor discounts’.
When paired with a Medical Cost Sharing arrangement employees get unlimited everyday health care and financial peace of mind knowing they won’t get wiped out by some large unexpected medical episode.
Tired of Status Quo?
Let’s explore a benefits strategy that’s customized to the needs of your group and your bottom line!