Analyze 

-- Your current benefit and health care cost trends to determine your company's level of success with a self-funding program.

-- A detailed review of claims experience weighted against premium payments over a period of time.

-- A full analysis of retention and underwriting charges including inflation, administration, reserves and commision fees that make up your current premium costs.

Goal setting to determine how cost reduction, including cost shifting, will be implemented. Appropriate methods implemented for your company, your industry and your employees, as you determine them!  

Risk Threshold evaluation to determine risk vs.return margins. Measured and planned risk fundamentally results in increased returns. Set out clearly which risks to assume in order to determine the level of reward or cost reduction you can anticipate.

Introduce Risk Control Options depending on the risk assumed. Stop Loss Insurance protector insures you and your company against catastrophic losses. Normal, everyday claims can be anticipated, planned and budgeted for. Insurance protection is necessary to prevent large unanticipated claims. Out of Country Insurance is another inexpensive risk control method for ensuring medical attention in foreign countries where a "plan" may be the deciding factor in receiving treatment.

Action Plans include the design of a very specific company driven benefit program. Implementation schedules include human resource personal training timetables, drug and dental card production, and wallet certificate production.

Adjust and Reset targets by meeting often to adjust projections if necessary. Over 30% of our clients have increased benefit lines for their employees due to cost reductions. Another 20% have decreased deductibles or the co-insurance payments required of employees. All have been able to maintain their current level of coverage rather than cutting benefits to control cost.