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We are proud to serve the nation’s employer community with a focused set of health care options that both enhance your bottom line and help you take control of your employees’ health care needs. Because we understand the changing health care environment, we will help you navigate the waters. HRB offers the best highly competitive and affordable options available in the industry.
We work closely with your HR team to tailor a comprehensive strategy specific to your unique requirements and situation. We will apply our over 25 years of combined industry experience to identify the best health care solution to meet your particular needs. The results could range from a set of minimal services under the law, to a robust and overarching plan that will allow you to offer a very competitive and enticing benefits package to employees that will not break your bottom line. Our plans meet all government regulations and will help your organization enlist new employees, while retaining existing employees more effectively than your competition. We will keep you and your team informed and educated to avoid penalties and fees.
All of this while keeping costs down and your sanity up.
What happens in Year 2?
Once your plan is in place, we work with you and your employees to make sure all aspects of the plan are understood and operational. As we approach the second year, we will engage our actuarial team to review your claims experience. With this knowledge in hand and the actuarial tables available for Major Insurance Carrier review, we walk in the rate negotiation door in a much better position than you have ever been before. Insurance companies trust that we have done our homework and know that we know what is going on with your account. Because of this, we inform the companies what the premium rates should be rather than the other way around. This puts your organization in the driver’s seat with total control over costs based on your specific group. This process continues year after year, helping keep rate increases to an absolute minimum.
National renewal rates are typically 10% to 30%. Our programs average single digit renewals! We achieve this by pooling the buying power and taking control back from the carriers. Our actuarial team is in place to justify how our clients should be treated at renewal time based on their claims.
Benefits to take you into the future, bottom line to keep you there!
Our Health Care services are predominately focused on employers with 20 or more employees. However, we will work with any group in need of affordable health care services. If you are not ready for a plan, but are interested in looking into the Health Care Crystal Ball, we offer a wide range of consulting services to determine the right set of questions to ask, aiding you as you define the health care and benefits offering that makes the most sense for your organization.
Summary of Services
Our health care services fall into four main groups. Click on the tabs to learn more.
Employer Health Pool Alliance
Finally, the health benefit solution employers and associations have been looking for!
Take advantage of a nationwide employer health pool that has been saving employers substantial premiums while keeping renewals at 5 to 6% annually. Join a nationwide network to see immediate savings and increased control over your employee’s health care.
- Groups of all sizes exceeding 20+ with nationwide footprint will be able to take advantage of the same plans and rates across all 50 states.
- An employer owned medical facility. Personalized medical care for employees with proactive wellness approach, RX dispensing, personal coaching, and holistic care.
- The Pool offers accommodations the traditional carriers do not offer. These include elements that favor 1099 employees and the struggles of rate increases due to poor participation.
- Great for associations, real estate companies and independent contractor entities.
Lifestyle Health Plans
Lifestyle Health Plans is an innovative, ACA-compliant group health benefit solution designed for employers with 5 to 500 employees. Healthcare costs are consistently listed as one of the greatest concerns facing business owners and employees today. Lifestyle Health Plans believes that the only way to truly manage healthcare costs is to improve the health and wellness of our members. Read more…
National Group Alliance Plans
The National Group Health Alliance is an employer centric initiative helping employers and associations increase their purchasing power for self-funded alternatives for medical benefits and other employee benefit related products and services. Read more
All Plans are Affordable Care Act (ACA) Compliant:
- Much, much more!
Employee Group Benefits
Tired of the same old process year to year?
Medical/ Dental/ Vision/ EAP/
Disability/Accident/ Life/ On line enrollment/
ACA compliance tools and services/ Health Care HR Supoprt/
We help navigate the waters with all mult-state insurance providers. We work with most common health insurance providers, practically household names such as Cigna, Blue Cross Blue Shield, Humana and United Health. Whether you have been engaged with these providers for a long time or are just starting out, we will help you identify the best, most cost effective plan accommodating the exact coverages you want to provide for your employees.
We also are able to offer our own proprietary plans that will help take the trouble out of finding and renewing your polices year after year.
Employer Owned On and Near Site Facilities
Employee 1,500 or more souls, this may be the plan for you!
Employers with 1500 lives or more or those that want to band together with others, may participate in facilities that reduce claims by millions of dollars while providing medical care for the employees at a level most are not currently receiving.
One of our exclusive offerings is “On or Near Site Healthcare Clinics”. We are happy to share reports that reflect ROI as much as 70% the first year. Employee ratings show the highest satisfaction for this form of health care. The program is self funded and fully insured.
As an employer, you can potentially save millions!!
- Proactive wellness physician care
- Holistic or traditional care
- Private health coaches
- Prescription dispensing
- Webinars available please email us for more information. We have Associates Nationwide.
Consulting and HR Support, Executive Planning, Second Half of Life Preparation
If you need a study, evaluation of health care costs and their containment, Best HR practices in benefits administration or just need to talk through a few things we offer a wide range of consulting services to help you get to the right answer for your business.
As an executive of the company, we offer many programs to help you plan out your life while working as well as help you make preparations for the time when you are not. Start now and see how you can secure you and your families future.
Planning for the Second Half of Life
Secure your dignity and choices now with a plan that is tax deductible for business owners. Find tax deductions now with a plan that is catered to your needs and is responsible to your family. Life does not end when you retire, it starts. Be ready to capture all the best of this part of your life through our programs.
Tax Free Retirement and 401K Rollovers
There are very advanced planning strategies available today to achieve tax free retirement income. Let us show you how they may complement your retirement planning.
Human Resources Support
What is the right amount of HR Benefits Staffing? Are you staffed optimally to meet the benefits needs of your amazing employees? Their needs change day-to-day, they have health concerns that pop up many times before they get home and say hi to the kids. We can:
- help you set up the best mix of skills to manage the benefits office.
- help you bridge the gap when your HR team is in transition
- help you with direct employee contact and training to make sure that the employees are getting the most out of the plan and you are continually managing your costs.
Health Care Consulting
At times, the health care environment can be filled with “gotchas” and the waters become very murky very quickly. The laws are constantly changing with every national election as well as at the state and even local levels. We understand this health care industry. we can help you find a “happy place” that blends cost containment with the right level of benefits to meet the needs of your organizations with the right amount of HR staffing. Our consulting services will guide and consult you as the laws change. We will help you to stay in compliance and avoid all penalties.