Welcome

Our Mission is to serve as a source of common sense in a health insurance market filled with so much misinformation, it is easy to get lost in all the noise.

We get it. You don’t want all the “old-boy” marketing and the same old responses you hear from other benefit consultants or insurance brokers.  We imagine a site as a service that gives you real-time, practical information whether you have 3 employees or 30,000 employees.

You deserve better than you have been getting and if you remember just one thing about us, we only get paid–when you or your company saves–when we reduce your healthcare insurance plan cost without reducing health benefits to you or your employees.

So, Let’s get to work! We can show you how to think outside-the-box and we bring “Alternative Health Insurance Plan Strategies” to you or your employees in partnership with your leadership.

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Here is how it starts….

Our associates implement individual and group employee benefit programs, focusing on the foundational tools in risk management, health insurance design, innovative 105 Plan services and the consultative process. Combining years in human resource change management with top independent insurance professionals, we bring a different perspective on health care plan design consulting. We have something truly unique in the market place that you will not see offered by many other brokers or consulting firms.

Simply put….

We know how to reduce your company’s health costs by 15 – 50% by implementing health plan IMPROVEMENTS for your employees.

Our target market is companies with 2+ employees. But no client is too small and we welcome all inquiries. Our solution is being implemented across the country, and is the fastest growing health care plan design in the market today. Our “alternative health plan strategies” work perfectly with or without full implementation of PPACA (most recent healthcare reforms).

The outline linked here is a brief overview of our Process we use to implement efficient and effective health insurance plan design.

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Your Consultative Process

Our approach is holistic as illustrated by the system architecture graphic below:

Adoption of any change starts slowly as an idea that permeates a system. This is called the Diffusion Effect as illustrated below. You may know it as the bell curve. Early adopters (Leaders) first, then the majority and followers.

 

Pay for Performance

How our approach maintains a partnership with “health care consumerism” using a unique, more efficient design?

In the broadest terms, this type of plan is designed to increase participants awareness of their health costs
  • To Achieve this, the typical plan features include:
    • Up front  cost sharing – Deductibles
    • Wellness Activities - Incentives / Disincentives
    • Quality health care service provider information – Network Provider Competition
  • Because 50% of the cost drivers in health care are related to taking personal responsibility

Efficient Design

  • Evaluate current design to market
  • Match client to network (carrier)
  • Review plan funding options – Stop Loss design
  • Implement coverage improvements to reduce cost
  • Establish long-term cost reduction through wellness education/communication

So Why Choose Us

  • Employees will like it and it will reduce both your cost and theirs
  • By offering an “Alternative Plan Strategy“, a new design–you effectively and efficiently control the cost to your company NOW, not some day!
  • Employees with more secure with the added coverage you offer, giving them better coverage than before at the same contribution rate
  • Everyone Wins!

Employee Protection

  • Employees with feel secure knowing that their employer provides more value than other employers in your market
  • Believe it or not, we see coverage levels as high as 100% of the out-of-pocket expenses without increasing contributions levels or cost to the employer

Administration

  • All plan administration is handled by our partners at minimal set up and administration. Lower cost per member per month than traditional group insurance arrangements
  • Members of your Team and our Partners assistance you with the communication, the enrollment and ongoing administration
  • Their Systems used are either electronic or manual
  • The design is scalable whether you have 3 or 30,000+ participants

Estimated Savings

  • Assuming your plan cost is at the national average, about $15,000 per member per year, we would estimate we could reduce this by 15% to 50% assuming you adopt all of our recommendations to achieve the most efficient plan design available on the market for your employees
  • All projected savings estimates are based on sound actuarial experience and are mutually agreed to before we start the plan year

Again, the sooner we get to work, the faster you and your employees get these improved benefits at lower cost!

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© 2011 Your Wellness N Health    •    

Intended for Informational purposes only.We consult, and don't sell insurance.We match clients with available options. Our wellness information is not a substitute for medical advice or treatment.