Home / Employer Solutions / Group Health & Plan Design
Group Health & Plan Design
Your renewal shouldn't be a surprise every year.
Plan design built on your data, not a rate sheet.
Most brokers shop your rates and call it strategy. We find out what’s actually driving your costs, then design health, dental, vision, life and disability coverage around your people and your budget.
Real Result · Manufacturing, Miami
18%
lower overall benefit costs in the first renewal year, with a plan employees rated higher.
“Like having an extra benefits specialist on staff.”
The client's HR team
Sound Familiar?
The same renewal,
year after year.
If any of these sound like your last renewal, your plan isn’t the problem. The approach is.
The problem
Premiums jump every year, and no one can tell you why.
How we fix it
We analyze your claims and demographics to find the real cost drivers before we ever go to market.
The problem
Your broker shops rates, then disappears until next renewal.
How we fix it
Ongoing utilization reviews and a responsive team all year, so problems get fixed before they become next year’s increase.
The problem
Employees don't understand or value the benefits you pay for.
How we fix it
Clear communication materials and employee education, so your investment actually gets noticed and used.
The problem
Bigger competitors are winning the talent you need.
How we fix it
A package aligned with your culture and budget that competes on value, not just price.
Our Approach
Strategy first.
Carriers second.
We negotiate with carriers using detailed underwriting data, so your group is positioned to get the best terms the market can offer.
Analyze your data
A full claims and demographic review shows where your money is going and why.
Benchmark your plan
See how your plan design and contributions compare to similar employers.
Design and negotiate
Better network match, smarter plan tiers and contributions, then direct negotiation with carriers.
Communicate and review
Employee education at enrollment, then ongoing utilization reviews all year long.
Illustrative example only. Your benchmark report is built from your actual plan data.
The Coverage
Every line of coverage,
designed to work together.
The products matter less than how they fit. We build each one around your workforce and your budget.
Group Health
Medical plans matched to your network needs and budget.
Group Dental
Preventive-first plans employees actually use.
Group Vision
Low-cost coverage that rounds out the package.
Group Life
Basic and supplemental life for peace of mind.
Group Disability
Income protection when employees can’t work.
Group Long-Term Care
Support for extended care needs down the road.
FAQs
Plan design
questions, answered.
What is benchmarking, and why does it matter?
Benchmarking compares your plan design, contributions and costs to similar employers. It shows where you’re overpaying, where your plan falls short for recruiting, and where there’s room to improve without cutting benefits.
What information do you need from us to get started?
Usually your current plan summaries, your most recent renewal and an employee census. If claims data is available, we’ll use it to find the real cost drivers in your plan.
Can a small group get custom plan design?
Yes. We work with groups from 2 to 5,000 employees. Smaller groups have different options than large ones, and we’ll show you exactly which strategies make sense for your size.
How often should we review our plan design?
At least once a year, well before renewal. We also run ongoing utilization reviews throughout the year, so changes are based on data, not a last-minute rate increase.
Keep Exploring
Related solutions
that work with your plan.
02 · Cost Containment
Level-funded, self-funded and captive strategies that stabilize costs over the long term.
03 · Voluntary Benefits
Employee-paid coverage at group rates that fills the gaps in your core plan.
06 · Plan Support & Wellness
Year-round advocacy and wellness programs that support a healthier workforce.
Before Your Next Renewal
Find out what's really
driving your costs.
We’ll review your current plan and renewal for free and show you where the opportunities are, with no pressure.
Prefer to call?
Virtual appointments available
Meet with us by video, whenever it fits your schedule.