Anchor your employee benefits in your business, not your insurer.

The trap with most medical insurance plans is that the employee benefit offerings too often get built around the boilerplate plans most health insurers offer. Limited claims data is provided at renewal, and rates continue to increase 8-12% annually.

Real risk management is engineering the medical and benefit plans based on what your workforce needs, not what they being offered every 24 months depending on renewal rates.

Designing your plan, from the keel plates to the bridge, will reduce your plan costs by 45% in the first two years; even when waves of high claims seem to be hitting the hull more frequently.

Owning your own data is the key to long-term cost management. Simply put. You cannot manage what you cannot measure.