Let us shop for you. By shopping around we can quite often switch insurance carriers, keep the same doctors you are use to, and reduce
premiums. If we do not look at what else is out there how else will we know how competitive your rates are?

By offering a base plan, your company agrees to pay the base premium, and you give your employees the option of buying up to a higher benefit level to suit their specific needs. This way the employer and employee both win.

The days of employers paying 100% of the premium for benefits are quickly appearing on the endangered species list. It is very common for employees
to pay 25% to 50% of the overall cost.

The introduction of an HMO or POS plan can result in significant price savings in exchange for the restrictive network of doctors.

The modification of the prescription drug co-pay is a very popular scenario. This option can be implemented with a minimal impact on the employees and
substantial savings to the employers.

With the health insurance increases in recent years, employers are already having their profit margins cut into. By decreasing a plan that covers hospitalization at 100% to a 90% or 80% level will help you to maintain your profit margins.