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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