Employee Benefit Plans

Fully Insured Health Insurance

Small to medium–sized businesses typically choose fully insured health care plans. The Benefits Alliance will develop a strategy tailored to your organization’s specific needs and resources. We will help you evaluate the complex array of options and compare benefits, costs and insurance companies.

Employers with more than 50 employees are merit rated. That is, a portion of their own claims experience (from 15% to 100% depending on size) is used to calculate their renewal. Our focus will be to assist your company in reducing claims over time. While it is sometimes possible to reduce short–term costs by changing insurance companies or by reducing benefits, it is important to recognize that claims account for more than 85% of premium cost.

Our loss–prevention strategy helps employees and their families live healthier lives and become wiser consumers of health care services.

Our tactics include creative, research–based Health Promotion Programs to promote health education and behavior change.

Our long–term goal is to help businesses contain their health benefit costs by reducing their health insurance claims.