For most companies, health insurance renewals are going up... considerably.
DCI produces sustainable reductions of 30% or more in healthcare costs for companies that don’t want to depend exclusively on commissioned brokers for cost savings strategies.
MYTHS & FACTS
MYTH: We can only change plans during our open enrollment.
FACT: You can move anytime – especially if it saves money!
MYTH: If there were a better plan for us, my broker would have told me.
FACT: Brokers might not tell you about solutions that offer no commission.
MYTH: Busy CEOs don’t have the time to understand healthcare.
FACT: An expense this significant warrants the CEO’s direct involvement.
MYTH: We should trust our broker and trust the system.
FACT: Traditional insurance is a rigged system. With commissions influencing
broker recommendations, companies are the last to benefit.
TYPICAL DCI SAVINGS FORECAST:
SAME DOCTORS, SAME SILVER PPO BENEFITS, 37% SAVINGS
TRUSTS AND VEBAS
are only accessible to certain brokers and help compa- nies under 200 ee replicate current benefits at a 20% to 40% lower cost.
FULLY SUBSIDIZED WELLNESS PLANS
reduce claims 20% long term at no cost to the employer.
TECHNOLOGY THAT AUTOMATES BENEFITS
suits a workforce that books their vacations via smart phone, eliminating the need for your HR department to play “travel agent.”
(hybrid or partially self-insured) reduces carrier profit margins and risk charges. It also eliminates the 3% insurance state tax.
sets pre-negotiated pricing in certain networks that accept 140% to 200% of Medicare payments in exchange for timely payment and eliminates dependence on PPO “discounts.”
CONSUMER DIRECTED-HEALTH PLANS
give employees financial incentives to make decisions that drive down employer costs. Examples include free telemedicine, free gener- ic drugs, and subsidies to employees who join their spouses’ plans.
HEALTHCARE COST AUDITS
give the CEO an accurate benchmark analysis of commissions, costs, and “double dips” in medical and drug plans without alerting the carrier, TPA, broker, or PBM.