app

Exploring Modified Funding Strategies
Client Stories
Core Services

With experience in working with a variety of vendors and carriers, app is able to offer solutions to enhance benefit plan design, structure, funding, and performance.

A long-term client with just under 100 insured employees was facing a 15% annual increase in their fully insured medical premium. Although they had been a loyal customer of the carrier for eight years and were not unhappy with the benefits or service, they could not sustain the year over year rate increases.

We explored various options that would allow the group to better control their costs. The group decided to join a benefits captive and we put together a program that includes a Third Party Administrator, a Pharmacy Benefits Manager, an independent provider network, and a health plan manager for utilization review and case management.

While this resulted in additional coordination and collaboration, it allows the client to receive claims data and see where their premium dollars are going.

Continue Reading Client Stories

Healthcare Plan & Funding

Healthcare Plan & Funding

A company with 135 employees and multiple locations throughout the Midwest asked us to evaluate their benefits program. Referred to us by another client, they had a longstanding relationship with another brokerage. Utilizing a self-funded health...

Technology Enhancements

Technology Enhancements

As our industry continues to evolve and technology begins to improve, our client’s needs have shifted and we provide our clients with innovative solutions, and are always looking for opportunities to improve. When we first started working with one...

Mitigating Healthcare Costs and Enhancing Overall Benefits

Mitigating Healthcare Costs and Enhancing Overall Benefits

As healthcare premiums continue to increase, we are always looking for unique solutions to mitigate these costs across the board. A long-term client with just under 100 insured employees was facing a 13.5% annual increase to their fully insured...