Group Employee
Benefits and
Insurance

Medical
Vision
Dental
Life
STD, LTD
FSA
HSA
HRA


Individual
Insurance

Medical
Life
Disability

Consumer Driven
Health Plan


Group Benefits, Healthcare Insurance, Greenwood Village Colorado

Employee-Sponsored & Group Benefits


Reducing the Cost of High Turnover with Smart Benefit Plans

Putting together the best employee group plan is a crucial business decision. For many small to medium-sized companies, this decision can make a major impact on the bottom line. We can assist you throughout the entire process from weighing plan options to electronic enrollment to benefits communication.

Employee group areas include:

While solutions to these rapid increases will not occur quickly, your company can review many options to obtain the best possible coverage for your employees at a cost-effective price. We can assist you with a consumer-driven approach where employees move towards empowerment through education, incentives and
multiple choices.

Self-Funding & Partial Self-Funding

According to a 2003 Massachusetts study, 62% of employers remained in
self-funding policies after five years, and another 22% were in their second to fifth years. Thus, a majority of those companies that try self-funding stay with it. These options should not be attempted without careful consideration. With healthy groups of employees, stop-loss insurance, and wellness programs, self-funding is a viable and serious way to reduce health insurance costs.

Right Carrier Selection

Insurance companies have varied approaches to providing coverage. A skilled broker can make professional recommendations based upon the carrier that is the best fit for your company. Your company will want to weigh employee out-of-pocket expenses, coverage options and limits, network selections and much more. How do different carriers manage claims? Currently, company healthcare costs run up to 37% of payroll. Get a professional to assist your company with this vitally important decision.

Governmental Compliance

Healthcare is a highly regulated industry. Thousands of mandates have been added over the past 20 years. Don't take the risk of ending up with a serious compliance issue or lawsuit based upon a regulatory oversight. Lowdermilk & Associates thoroughly understands insurance laws, and can assist your company effort to remain in compliance.

 

Call for additional information or complimentary cost-solutions analysis.