Frequently Asked (and Rarely Answered) Questions

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Great question—because most people nod and pretend they know.

 Here’s the quick breakdown: 

• Fully Insured: You pay a fixed premium to a carrier.  They handle the risk. It’s simple and predictable—but you don’t get  money back if claims are low.
  
• Level-Funded: A mix of fixed costs and claim funding. If your team stays  healthy, you may get a refund on unused claims dollars. It’s a great  middle ground for small to mid-size groups.
  
• Self-Funded: You take on the risk and pay claims directly. This offers  the most flexibility and savings potential, but also the most  responsibility—best for larger or low-risk groups.

 We help you choose the right model based on your size, risk tolerance, and goals—not guesswork. 

You’re not alone. That’s why we speak fluent human. We translate the fine print, decode the acronyms, and help you feel confident instead of overwhelmed.

Yes. Between tax advantages, smarter plan design, and tools like HRAs and HSAs, benefits can do more than attract talent—they can become a real financial strategy. We love showing clients where hidden savings live.

With creativity. Supplemental plans, Direct Primary Care memberships, and hybrid bundles can fill the gaps for non-traditional roles. We build solutions for real-world teams—not textbook ones.

Absolutely. We’re with you all year—helping with onboarding, offboarding, questions, updates, and the occasional “what does this EOB mean?” text from an employee. You don’t get passed off here—you get partnership.

We don’t lead with carrier logos or generic slides. We lead with strategy, heart, and an obsession with clarity. You’ll know your options, understand your plan, and actually like the people helping you build it.

Start here: Contact Us. Whether you’re ready to build or just curious, we’ll help you find your footing—no pressure, no jargon, just a real conversation.