The HRB Group works with its clients to research its group benefits needs, analyze the entire marketplace and suggest solutions to providing the best set of benefits at the best prices available. The HRB Group explores and educates customers on the cost-saving advantages of both the fully insured and partial self-fund worlds of health insurance financing.

FULLY-INSURED PLANS

We represent all state and national carriers and provide the most detailed analysis of your year-to-year needs. Most companies have to buy as little as they need instead of as much as they can afford. We can help further your potential benefits!

In the event that you are a small or medium-sized employer searching for a cost-effective advantage plan, we can combine a High Deductible Health Plan (HDHP) with a Health Reimbursement Account (HRA) or potentially a Health Savings Account (HSA). This strategy structure affords flexibility and accountability, and it has the price advantage that formerly only bigger groups have had with practically zero risk.

We can structure benefit plans which particularly address your benefits needs and cost imperatives using a wide variety of Administrative Services Only (ASO). Or we an offer halfway self-funded plans from the most significant carriers and Third Party Administrators (TPAs). Do you want to add alternative medicine to your plan? Do you want to offer Employee Assistance Programs (EAP) to assist your employees with numerous non-medical issues? Do you want to set up medical and remedy benefits to meet your prerequisites? Do you want to address specialty things like safety glasses? Allow The HRB Group to demonstrate to you the flexibility of a shared funded plan, and how this type of healthcare insurance financing will spare you a premium dollar.

Regardless of whether fully or self-insured, our techniques work well, as 50 – 70% of your members don’t use their plan in a given year. Why waste premiums on members who are not using the advantages you give every year? Our arrangements will demonstrate to you the best way to give a similarly high level of benefits to the individuals who really use them and save premium dollars on the individuals who don’t. Call us today to locate the right program for your organization.