Benefit Architects

From compliance to communication, we provide a full portfolio of solutions for you and your company.

YOU NEED A BENEFIT BLUEPRINT,

Today, developing your company’s benefit compensation involves so much more than making decisions about which medical plans to offer. To build your dream home you need a blueprint, the same concept applies to your employee’s dream benefits package.

Let’s explore two popular options

fully insuredVSself-funding

Each type carries its own set of administrative rules and legal constraints and the decision should not be made arbitrarily.

Fully Insured Health Plan

Employers that are looking for peace of mind, a Fully Insured plan might be the way to go

01 Payments The company pays a premium, typically fixed for a year, to the insurance carrier. The monthly premium normally only changes during the year if the number of enrolled employees in the plan changes 02 Assumption of Risk The insurance carrier collects the premiums and pays the health care claims based on the […]

Self Insured Health Plan

6 Ways A Self-Insured Plan Will Benefit You

01 Pay Only for Healthcare Your Members Consume Self-Insured employers pay for only the healthcare claims their members consume, a low stop-loss insurance premium for catastrophic claim coverage, and an administrative fee to a third party administrator who will administer their program. For comparison purposes, fully insured employers pay insurance premiums that are primarily based […]

IS A PEO THE RIGHT FIT FOR YOU?

For many companies, making the transition to a Professional Employment Organization (PEO) makes the most sense financially. By pooling all of its employees into one group (the vast array of companies hired by the PEO), the organization is able to spread their medical claims over a larger premium base.

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THINK OF US AS YOUR BENEFIT ARCHITECTS.