Underwriting

Self-Funding vs. Fully-Insured

A mid-sized construction company with between one to two-hundred employees was seeking to implement a new health care program for its employees. At time of engagement the client was part of a self-funded national industry association utilizing a national PPO network. The client was seeking alternatives for either fully-insured and/or self-funded plans, which vary significantly […]

Medical Factor

A mid-size dairy farm client with 50 employees was seeking to understand the driving factor¬†behind their medical premiums and¬†improve available carrier options (low participation had severely limited choice). The group had received a 37% increase in their health insurance costs. Employee Benefit Advisor’s analysis revealed the company had a high medical factor. High medical factors […]

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