Employers: Increase Your Cash Flow and Reduce Out of Pocket Cost

Have you embraced the new world of employee benefits?  With the onset of healthcare reform employers are searching for solutions to:

  • Significantly reduce healthcare costs immediately
  • Project multi-year monetary control over the healthcare budgets
  • Stabilize employee payroll deductions
  • Improve employee morale and productivity
  • Reduce employee turnover
  • Enhance benefits to attract high quality employees
  • Reduce employee pressure for increased wages

The Facts: Your employees are asking for coverage that they are not able to purchase on their own.  Did you know that:

  • Most blue and gray collar employees and many white collar employees only have up to a month or two in savings and can be wiped out financially from a disability, accident, critical illness or death?
  • Many employees and their family members either have unhealthy lifestyles (smoking, drugs, over eating, not exercising, not going in for regular check-ups) or have in the past had unhealthy lifestyles.
  • Many employees have children and teens involved in league sports and in Colorado many employees and their spouses are involved in adventurous sports that put themselves at the risk of an accident or disabling injury.
  • Many employees have immediate family members who have been treated for or are currently undergoing treatment for cancer, heart disease, renal failure and other critical illnesses.  Some of these  families have a  pattern of  “cancer” or “heart disease” in their family.
  • Most employees say they need to get additional coverage but don’t have the time or the resources to know where to even start to look at coverage?
  • Purchasing coverage at the workplace significantly reduces the employees costs because the employer is providing discounted “group” rates and in some cases a guarantee issue amount that they could not purchase on their own because of an underlying health condition.

The Bottom Line:  What is your group doing to lower costs and keep your main health plan in place?

  • Have you raised your deductible?
  • Does your employee have a higher out of pocket cost?
  • What are you doing to help your employees when an accident, disability or critical illness causes them to incur out of pocket costs for medical expenses and time off work to recover?
  • What are you doing to make it easy for them to obtain coverage that they need and/or are not able to obtain on their own.

We provide top  benefits that pay out the most at time of claim for the lowest cost.  In a bad economy they want to know they have the additional coverage should something happen whether it’s an accident, disability, critical illness or death.

We get the BEST DEAL for your employees

We will improve your employee benefits package to lower your overall costs, help employees get additional coverage’s they need.  And we are determined to get you the best deals!  Our objective is to get the BEST payout at point of claim for the LOWEST premium dollar for your employees.