Health Insurance is an area about which we are genuinely passionate. We do not believe for a moment that you have to pay what you are being charged.
Insurance Brokers can generally only offer you what the insurance companies offer them, and on standard programs there are often powerful incentives to make sure Brokers won’t offer alternatives to them including very significant non-disclosed compensation on blocks of business. All the money flow in these health insurance plans are on the back end where pharmacies, medical facilities and medical groups take all of that money at wildly varying price points.
That is why you absolutely need an un-insurance broker presentation without waiting for plan renewal. Plan design changes, cost shifting and out of pocket increases is what the industry is selling. We don’t buy into that for a minute. If you have over one hundred and fifty employees in your current health plan, we have some wonderful things to share. If you have from 10 to 150 employees there are overlay plans, partial self funding and other options that can make dramatic improvements for you.
If you have not had an in-depth presentation on self-administered insurance that includes detailed answers on reference based pricing, no rebate and no price spread Pharmacy Benefit managers and multiple ways to get this done successfully, with a cap on losses, then you are only getting half the picture.
The half you are not getting represents big price drops that would be stable, wide open networks and a design that would lower co-pays and lower out of pocket expenses for all employees and their families. That is likely nothing that you have heard from standard Brokers. If this sounds like a radical change for the better, you are right. Talk to us for some powerful fact finding. You are going to love living like the other half.
You can call or schedule.
www.Calendly.com/paulfinestone
747-233-4805 (Paul Finestone –direct line)
CA license 0748510
