{"id":24,"date":"2026-01-16T04:27:43","date_gmt":"2026-01-16T04:27:43","guid":{"rendered":"https:\/\/innovativebenefitdesign.com\/?page_id=24"},"modified":"2026-03-03T19:22:33","modified_gmt":"2026-03-03T19:22:33","slug":"services","status":"publish","type":"page","link":"https:\/\/innovativebenefitdesign.com\/en\/services\/","title":{"rendered":"Services"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; fullwidth=&#8221;on&#8221; admin_label=&#8221;Hero Section&#8221; _builder_version=&#8221;4.27.5&#8243; background_color=&#8221;#DDDDDD&#8221; background_image=&#8221;https:\/\/innovativebenefitdesign.com\/wp-content\/uploads\/2026\/02\/New-Project.png&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_fullwidth_header title=&#8221;Our Services&#8221; subhead=&#8221;What we Do Best&#8221; background_overlay_color=&#8221;RGBA(255,255,255,0)&#8221; content_max_width=&#8221;550px&#8221; _builder_version=&#8221;4.27.5&#8243; title_font=&#8221;Poppins|700||on|||||&#8221; title_text_color=&#8221;gcid-0a16f640-0e05-464a-b04d-36bb60a3728d&#8221; title_font_size=&#8221;27px&#8221; title_letter_spacing=&#8221;2px&#8221; title_line_height=&#8221;1.4em&#8221; content_font=&#8221;Poppins|||||on|||&#8221; content_text_color=&#8221;#000000&#8243; content_font_size=&#8221;26px&#8221; content_letter_spacing=&#8221;1px&#8221; content_line_height=&#8221;2em&#8221; subhead_font=&#8221;Playfair Display|700||on|||||&#8221; subhead_text_color=&#8221;#000000&#8243; subhead_font_size=&#8221;46px&#8221; subhead_letter_spacing=&#8221;3px&#8221; subhead_line_height=&#8221;1.4em&#8221; background_color=&#8221;RGBA(255,255,255,0)&#8221; background_enable_image=&#8221;off&#8221; parallax=&#8221;on&#8221; parallax_method=&#8221;on&#8221; background_enable_pattern_style=&#8221;on&#8221; background_pattern_style=&#8221;tufted&#8221; custom_button_one=&#8221;on&#8221; button_one_border_width=&#8221;1px&#8221; button_one_border_color=&#8221;rgba(255,255,255,0.3)&#8221; button_one_border_radius=&#8221;0px&#8221; button_one_letter_spacing=&#8221;1px&#8221; button_one_font=&#8221;Saira Extra Condensed|600||on|||||&#8221; button_one_icon=&#8221;&#x24;||divi||400&#8243; button_one_icon_color=&#8221;#edbb5f&#8221; custom_button_two=&#8221;on&#8221; button_two_border_width=&#8221;1px&#8221; button_two_border_color=&#8221;rgba(255,255,255,0.3)&#8221; button_two_border_radius=&#8221;0px&#8221; button_two_letter_spacing=&#8221;1px&#8221; button_two_font=&#8221;Saira Extra Condensed|600||on|||||&#8221; button_two_icon=&#8221;&#x24;||divi||400&#8243; button_two_icon_color=&#8221;#edbb5f&#8221; background_layout=&#8221;light&#8221; module_alignment=&#8221;right&#8221; custom_margin=&#8221;|||&#8221; custom_padding=&#8221;8%||8%|&#8221; child_filter_brightness=&#8221;75%&#8221; child_filter_blur=&#8221;1px&#8221; button_one_text_color_hover=&#8221;#edbb5f&#8221; button_two_text_color_hover=&#8221;#edbb5f&#8221; button_one_bg_color_hover=&#8221;rgba(0,0,0,0)&#8221; button_two_bg_color_hover=&#8221;rgba(0,0,0,0)&#8221; global_colors_info=&#8221;{%22gcid-0a16f640-0e05-464a-b04d-36bb60a3728d%22:%91%22title_text_color%22%93}&#8221; button_one_text_size__hover_enabled=&#8221;off&#8221; button_two_text_size__hover_enabled=&#8221;off&#8221; button_one_text_color__hover_enabled=&#8221;on&#8221; button_one_text_color__hover=&#8221;#edbb5f&#8221; button_two_text_color__hover_enabled=&#8221;on&#8221; button_two_text_color__hover=&#8221;#edbb5f&#8221; button_one_border_width__hover_enabled=&#8221;off&#8221; button_two_border_width__hover_enabled=&#8221;off&#8221; button_one_border_color__hover_enabled=&#8221;off&#8221; button_two_border_color__hover_enabled=&#8221;off&#8221; button_one_border_radius__hover_enabled=&#8221;off&#8221; button_two_border_radius__hover_enabled=&#8221;off&#8221; button_one_letter_spacing__hover_enabled=&#8221;off&#8221; button_two_letter_spacing__hover_enabled=&#8221;off&#8221; button_one_bg_color__hover_enabled=&#8221;on&#8221; button_one_bg_color__hover=&#8221;rgba(0,0,0,0)&#8221; button_two_bg_color__hover_enabled=&#8221;on&#8221; button_two_bg_color__hover=&#8221;rgba(0,0,0,0)&#8221;]<\/p>\n<p>&nbsp;<\/p>\n<p>Review.\u00a0 Analyze.\u00a0 Research.\u00a0 Benchmarking.\u00a0 Offer Alternatives.\u00a0 Technology Integration.\u00a0 Carrier Selection.\u00a0 Employee communication. Implementation.\u00a0 Ongoing Support.<\/p>\n<p>[\/et_pb_fullwidth_header][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Services&#8221; _builder_version=&#8221;4.16&#8243; custom_margin=&#8221;|||&#8221; custom_padding=&#8221;100px|0px|100px|0px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;1_3,2_3&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; animation_style=&#8221;fade&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;1px|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.27.5&#8243; text_font=&#8221;||||||||&#8221; text_font_size=&#8221;28px&#8221; header_font=&#8221;||||||||&#8221; header_2_font=&#8221;Playfair Display|700|||||||&#8221; header_2_font_size=&#8221;38px&#8221; header_2_letter_spacing=&#8221;1px&#8221; header_2_line_height=&#8221;1.4em&#8221; 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Worksite benefits<\/li>\n<li>15%-20% annual dividend to HR\/Benefits department<\/li>\n<li>Executive Benefits<\/li>\n<li>MERP+Fully Insured medical plans<\/li>\n<li>Claim transparency and risk sharing<\/li>\n<li>Reference based pricing<\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/innovativebenefitdesign.com\/contact\/&#8221; button_text=&#8221;Get Started&#8221; _builder_version=&#8221;4.27.4&#8243; custom_button=&#8221;on&#8221; button_text_color=&#8221;#ffffff&#8221; button_bg_color=&#8221;#000000&#8243; button_border_width=&#8221;0px&#8221; button_border_radius=&#8221;0px&#8221; button_letter_spacing=&#8221;1px&#8221; button_font=&#8221;Saira Extra Condensed|600||on|||||&#8221; button_icon=&#8221;&#x24;||divi||400&#8243; button_icon_color=&#8221;#edbb5f&#8221; button_text_color_hover=&#8221;#edbb5f&#8221; button_letter_spacing_hover=&#8221;1px&#8221; global_colors_info=&#8221;{}&#8221; button_text_size__hover_enabled=&#8221;off&#8221; button_one_text_size__hover_enabled=&#8221;off&#8221; button_two_text_size__hover_enabled=&#8221;off&#8221; button_text_color__hover_enabled=&#8221;on&#8221; button_text_color__hover=&#8221;#edbb5f&#8221; button_one_text_color__hover_enabled=&#8221;off&#8221; button_two_text_color__hover_enabled=&#8221;off&#8221; button_border_width__hover_enabled=&#8221;off&#8221; button_one_border_width__hover_enabled=&#8221;off&#8221; button_two_border_width__hover_enabled=&#8221;off&#8221; button_border_color__hover_enabled=&#8221;off&#8221; button_one_border_color__hover_enabled=&#8221;off&#8221; button_two_border_color__hover_enabled=&#8221;off&#8221; button_border_radius__hover_enabled=&#8221;off&#8221; button_one_border_radius__hover_enabled=&#8221;off&#8221; button_two_border_radius__hover_enabled=&#8221;off&#8221; button_letter_spacing__hover_enabled=&#8221;on&#8221; button_letter_spacing__hover=&#8221;1px&#8221; button_one_letter_spacing__hover_enabled=&#8221;off&#8221; button_two_letter_spacing__hover_enabled=&#8221;off&#8221; button_bg_color__hover_enabled=&#8221;off&#8221; button_one_bg_color__hover_enabled=&#8221;off&#8221; button_two_bg_color__hover_enabled=&#8221;off&#8221;][\/et_pb_button][\/et_pb_column][et_pb_column type=&#8221;2_3&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;5%|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_blurb title=&#8221;$200-$500 Savings\/medical plan member&#8221; use_icon=&#8221;on&#8221; font_icon=&#8221;&#xe065;||divi||400&#8243; icon_color=&#8221;#ffffff&#8221; image_icon_background_color=&#8221;#edbb5f&#8221; icon_placement=&#8221;left&#8221; image_icon_width=&#8221;25px&#8221; content_max_width=&#8221;1100%&#8221; _builder_version=&#8221;4.27.5&#8243; header_font=&#8221;Poppins|700||on|||||&#8221; header_font_size=&#8221;14px&#8221; header_letter_spacing=&#8221;1px&#8221; header_line_height=&#8221;1.8em&#8221; body_font=&#8221;Poppins||||||||&#8221; body_letter_spacing=&#8221;1px&#8221; body_line_height=&#8221;1.8em&#8221; background_color=&#8221;#ffffff&#8221; image_icon_custom_padding=&#8221;8px|8px|8px|8px|false|false&#8221; text_orientation=&#8221;center&#8221; custom_margin=&#8221;|12%|20px|12%&#8221; custom_padding=&#8221;20px|20px|20px|20px&#8221; filter_opacity=&#8221;50%&#8221; filter_blur=&#8221;1px&#8221; animation_style=&#8221;zoom&#8221; animation_direction=&#8221;bottom&#8221; animation_delay=&#8221;100ms&#8221; animation_intensity_zoom=&#8221;30%&#8221; animation=&#8221;off&#8221; border_style_all=&#8221;dashed&#8221; border_radii_image=&#8221;on|100%|100%|100%|100%&#8221; box_shadow_style=&#8221;preset3&#8243; box_shadow_vertical=&#8221;15px&#8221; box_shadow_blur=&#8221;80px&#8221; box_shadow_color=&#8221;rgba(0,0,0,0.2)&#8221; icon_font_size=&#8221;25px&#8221; use_circle=&#8221;on&#8221; circle_color=&#8221;#edbb5f&#8221; global_colors_info=&#8221;{}&#8221; image_icon_background_color__sticky_enabled=&#8221;#7EBEC5&#8243; image_icon_background_color__sticky=&#8221;#7EBEC5&#8243;]<\/p>\n<p>Utilizing experts in federal and state government programs who guide employees through the complicated process of working with Healthcare.gov, COBRA, Social Security, Disability, Medicaid, Medicare, Veterans Administration, and Tribal Council Services.\u00a0<\/p>\n<p>[\/et_pb_blurb][et_pb_blurb title=&#8221;Ancillary &#038; Worksite Benefits&#8221; use_icon=&#8221;on&#8221; font_icon=&#8221;&#xe06f;||divi||400&#8243; icon_color=&#8221;#ffffff&#8221; image_icon_background_color=&#8221;#edbb5f&#8221; icon_placement=&#8221;left&#8221; image_icon_width=&#8221;25px&#8221; content_max_width=&#8221;800px&#8221; _builder_version=&#8221;4.27.5&#8243; header_font=&#8221;Poppins|700||on|||||&#8221; header_font_size=&#8221;14px&#8221; header_letter_spacing=&#8221;1px&#8221; header_line_height=&#8221;1.8em&#8221; body_font=&#8221;Poppins||||||||&#8221; body_letter_spacing=&#8221;1px&#8221; body_line_height=&#8221;1.8em&#8221; background_color=&#8221;#ffffff&#8221; image_icon_custom_padding=&#8221;8px|8px|8px|8px|false|false&#8221; text_orientation=&#8221;center&#8221; custom_margin=&#8221;30px||30px|&#8221; custom_padding=&#8221;40px|30px|40px|30px&#8221; animation_style=&#8221;zoom&#8221; animation_intensity_zoom=&#8221;30%&#8221; animation=&#8221;off&#8221; border_style_all=&#8221;dashed&#8221; border_radii_image=&#8221;on|100%|100%|100%|100%&#8221; box_shadow_style=&#8221;preset3&#8243; box_shadow_vertical=&#8221;15px&#8221; box_shadow_blur=&#8221;80px&#8221; box_shadow_color=&#8221;rgba(0,0,0,0.2)&#8221; icon_font_size=&#8221;25px&#8221; use_circle=&#8221;on&#8221; circle_color=&#8221;#edbb5f&#8221; global_colors_info=&#8221;{}&#8221; image_icon_background_color__sticky_enabled=&#8221;#7EBEC5&#8243; image_icon_background_color__sticky=&#8221;#7EBEC5&#8243;]<\/p>\n<p>Employers benefit from semi-annual to annual deep dive financial reviews on ancillary plans.\u00a0 No more waiting for brokers to only present the plan results 30-60 days prior to renewal to pressure renewal acceptance.\u00a0 \u00a0<\/p>\n<p>[\/et_pb_blurb][et_pb_blurb title=&#8221;15%-20% annual dividend to HR\/Benefits&#8221; use_icon=&#8221;on&#8221; font_icon=&#8221;&#xe072;||divi||400&#8243; icon_color=&#8221;#ffffff&#8221; image_icon_background_color=&#8221;#edbb5f&#8221; icon_placement=&#8221;left&#8221; image_icon_width=&#8221;25px&#8221; content_max_width=&#8221;1100%&#8221; _builder_version=&#8221;4.27.5&#8243; header_font=&#8221;Poppins|700||on|||||&#8221; header_font_size=&#8221;14px&#8221; header_letter_spacing=&#8221;1px&#8221; header_line_height=&#8221;1.8em&#8221; body_font=&#8221;Poppins||||||||&#8221; body_letter_spacing=&#8221;1px&#8221; body_line_height=&#8221;1.8em&#8221; background_color=&#8221;#ffffff&#8221; image_icon_custom_padding=&#8221;8px|8px|8px|8px|false|false&#8221; text_orientation=&#8221;center&#8221; custom_margin=&#8221;|4%|20px|4%&#8221; custom_padding=&#8221;20px|20px|20px|20px&#8221; filter_opacity=&#8221;80%&#8221; animation_style=&#8221;zoom&#8221; animation_direction=&#8221;bottom&#8221; animation_delay=&#8221;50ms&#8221; animation_intensity_zoom=&#8221;30%&#8221; animation=&#8221;off&#8221; border_style_all=&#8221;dashed&#8221; border_radii_image=&#8221;on|100%|100%|100%|100%&#8221; box_shadow_style=&#8221;preset3&#8243; box_shadow_vertical=&#8221;15px&#8221; box_shadow_blur=&#8221;80px&#8221; box_shadow_color=&#8221;rgba(0,0,0,0.2)&#8221; icon_font_size=&#8221;25px&#8221; use_circle=&#8221;on&#8221; circle_color=&#8221;#edbb5f&#8221; global_colors_info=&#8221;{}&#8221; image_icon_background_color__sticky_enabled=&#8221;#7EBEC5&#8243; image_icon_background_color__sticky=&#8221;#7EBEC5&#8243;]<\/p>\n<p>Employers with existing worksite benefit plans, and those considering adding these plans, can maximize benefits paid to employees, reduce broker commissions, and gain full claims and expense transparency.\u00a0 In the process, employers also qualify for annual dividends that must be used to enhance benefits and\/or be added to the employer&#8217;s benefit&#8217;s budget.<\/p>\n<p>[\/et_pb_blurb][et_pb_blurb title=&#8221;Executive Benefits&#8221; use_icon=&#8221;on&#8221; font_icon=&#8221;&#xe0f9;||divi||400&#8243; icon_color=&#8221;#ffffff&#8221; image_icon_background_color=&#8221;#edbb5f&#8221; icon_placement=&#8221;left&#8221; image_icon_width=&#8221;25px&#8221; content_max_width=&#8221;1100%&#8221; _builder_version=&#8221;4.27.5&#8243; header_font=&#8221;Poppins|700||on|||||&#8221; header_font_size=&#8221;14px&#8221; header_letter_spacing=&#8221;1px&#8221; header_line_height=&#8221;1.8em&#8221; body_font=&#8221;Poppins||||||||&#8221; body_letter_spacing=&#8221;1px&#8221; body_line_height=&#8221;1.8em&#8221; background_color=&#8221;#ffffff&#8221; image_icon_custom_padding=&#8221;8px|8px|8px|8px|false|false&#8221; text_orientation=&#8221;center&#8221; custom_margin=&#8221;|12%|20px|12%&#8221; custom_padding=&#8221;20px|20px|20px|20px&#8221; filter_opacity=&#8221;50%&#8221; filter_blur=&#8221;1px&#8221; animation_style=&#8221;zoom&#8221; animation_direction=&#8221;bottom&#8221; animation_delay=&#8221;100ms&#8221; animation_intensity_zoom=&#8221;30%&#8221; animation=&#8221;off&#8221; border_style_all=&#8221;dashed&#8221; border_radii_image=&#8221;on|100%|100%|100%|100%&#8221; box_shadow_style=&#8221;preset3&#8243; box_shadow_vertical=&#8221;15px&#8221; box_shadow_blur=&#8221;80px&#8221; box_shadow_color=&#8221;rgba(0,0,0,0.2)&#8221; icon_font_size=&#8221;25px&#8221; use_circle=&#8221;on&#8221; circle_color=&#8221;#edbb5f&#8221; global_colors_info=&#8221;{}&#8221; image_icon_background_color__sticky_enabled=&#8221;#7EBEC5&#8243; image_icon_background_color__sticky=&#8221;#7EBEC5&#8243;]<\/p>\n<p>Employer paid disability and life insurance plans many times do not provide &#8220;full coverage&#8221; for the earnings of their executives.\u00a0 Especially if the plans are limited to base earnings or too low of a benefit maximum.\u00a0\u00a0<\/p>\n<p>[\/et_pb_blurb][et_pb_blurb title=&#8221;MERP+Fully insured medical&#8221; use_icon=&#8221;on&#8221; font_icon=&#8221;&#xe029;||divi||400&#8243; icon_color=&#8221;#ffffff&#8221; image_icon_background_color=&#8221;#edbb5f&#8221; icon_placement=&#8221;left&#8221; image_icon_width=&#8221;25px&#8221; content_max_width=&#8221;1100%&#8221; _builder_version=&#8221;4.27.5&#8243; header_font=&#8221;Poppins|700||on|||||&#8221; header_font_size=&#8221;14px&#8221; header_letter_spacing=&#8221;1px&#8221; header_line_height=&#8221;1.8em&#8221; body_font=&#8221;Poppins||||||||&#8221; body_letter_spacing=&#8221;1px&#8221; body_line_height=&#8221;1.8em&#8221; background_color=&#8221;#ffffff&#8221; image_icon_custom_padding=&#8221;8px|8px|8px|8px|false|false&#8221; text_orientation=&#8221;center&#8221; custom_margin=&#8221;|4%|20px|4%&#8221; custom_padding=&#8221;20px|20px|20px|20px&#8221; filter_opacity=&#8221;80%&#8221; animation_style=&#8221;zoom&#8221; animation_direction=&#8221;bottom&#8221; animation_delay=&#8221;50ms&#8221; animation_intensity_zoom=&#8221;30%&#8221; animation=&#8221;off&#8221; border_style_all=&#8221;dashed&#8221; border_radii_image=&#8221;on|100%|100%|100%|100%&#8221; box_shadow_style=&#8221;preset3&#8243; box_shadow_vertical=&#8221;15px&#8221; box_shadow_blur=&#8221;80px&#8221; box_shadow_color=&#8221;rgba(0,0,0,0.2)&#8221; icon_font_size=&#8221;25px&#8221; use_circle=&#8221;on&#8221; circle_color=&#8221;#edbb5f&#8221; global_colors_info=&#8221;{}&#8221; image_icon_background_color__sticky_enabled=&#8221;#7EBEC5&#8243; image_icon_background_color__sticky=&#8221;#7EBEC5&#8243;]<\/p>\n<p>By structuring a fully insured plan correctly with a MERP, employers are able to lower premiums, decrease employee out of pocket costs and provide first dollar benefits<\/p>\n<p>[\/et_pb_blurb][et_pb_blurb title=&#8221;claim transparency and risk sharing&#8221; use_icon=&#8221;on&#8221; font_icon=&#8221;&#xe029;||divi||400&#8243; icon_color=&#8221;#ffffff&#8221; image_icon_background_color=&#8221;#edbb5f&#8221; icon_placement=&#8221;left&#8221; image_icon_width=&#8221;25px&#8221; content_max_width=&#8221;1100%&#8221; _builder_version=&#8221;4.27.5&#8243; header_font=&#8221;Poppins|700||on|||||&#8221; header_font_size=&#8221;14px&#8221; header_letter_spacing=&#8221;1px&#8221; header_line_height=&#8221;1.8em&#8221; body_font=&#8221;Poppins||||||||&#8221; body_letter_spacing=&#8221;1px&#8221; body_line_height=&#8221;1.8em&#8221; background_color=&#8221;#ffffff&#8221; image_icon_custom_padding=&#8221;8px|8px|8px|8px|false|false&#8221; text_orientation=&#8221;center&#8221; custom_margin=&#8221;|4%|20px|4%&#8221; custom_padding=&#8221;20px|20px|20px|20px&#8221; filter_opacity=&#8221;80%&#8221; animation_style=&#8221;zoom&#8221; animation_direction=&#8221;bottom&#8221; animation_delay=&#8221;50ms&#8221; animation_intensity_zoom=&#8221;30%&#8221; animation=&#8221;off&#8221; border_style_all=&#8221;dashed&#8221; border_radii_image=&#8221;on|100%|100%|100%|100%&#8221; box_shadow_style=&#8221;preset3&#8243; box_shadow_vertical=&#8221;15px&#8221; box_shadow_blur=&#8221;80px&#8221; box_shadow_color=&#8221;rgba(0,0,0,0.2)&#8221; icon_font_size=&#8221;25px&#8221; use_circle=&#8221;on&#8221; circle_color=&#8221;#edbb5f&#8221; global_colors_info=&#8221;{}&#8221; image_icon_background_color__sticky_enabled=&#8221;#7EBEC5&#8243; image_icon_background_color__sticky=&#8221;#7EBEC5&#8243;]<\/p>\n<p>Many small to mid-size employers have benefited from transitioning from fully insured medical plans to level funded or self-insured plans that provide full transparency in claims along with the financial incentives of risk sharing.<\/p>\n<p>[\/et_pb_blurb][et_pb_blurb title=&#8221;Reference based pricing&#8221; use_icon=&#8221;on&#8221; font_icon=&#8221;&#xe029;||divi||400&#8243; icon_color=&#8221;#ffffff&#8221; image_icon_background_color=&#8221;#edbb5f&#8221; icon_placement=&#8221;left&#8221; image_icon_width=&#8221;25px&#8221; content_max_width=&#8221;1100%&#8221; _builder_version=&#8221;4.27.5&#8243; header_font=&#8221;Poppins|700||on|||||&#8221; header_font_size=&#8221;14px&#8221; header_letter_spacing=&#8221;1px&#8221; header_line_height=&#8221;1.8em&#8221; body_font=&#8221;Poppins||||||||&#8221; body_letter_spacing=&#8221;1px&#8221; body_line_height=&#8221;1.8em&#8221; background_color=&#8221;#ffffff&#8221; image_icon_custom_padding=&#8221;8px|8px|8px|8px|false|false&#8221; text_orientation=&#8221;center&#8221; custom_margin=&#8221;|4%|20px|4%&#8221; custom_padding=&#8221;20px|20px|20px|20px&#8221; filter_opacity=&#8221;80%&#8221; animation_style=&#8221;zoom&#8221; animation_direction=&#8221;bottom&#8221; animation_delay=&#8221;50ms&#8221; animation_intensity_zoom=&#8221;30%&#8221; animation=&#8221;off&#8221; border_style_all=&#8221;dashed&#8221; border_radii_image=&#8221;on|100%|100%|100%|100%&#8221; box_shadow_style=&#8221;preset3&#8243; box_shadow_vertical=&#8221;15px&#8221; box_shadow_blur=&#8221;80px&#8221; box_shadow_color=&#8221;rgba(0,0,0,0.2)&#8221; icon_font_size=&#8221;25px&#8221; use_circle=&#8221;on&#8221; circle_color=&#8221;#edbb5f&#8221; global_colors_info=&#8221;{}&#8221; image_icon_background_color__sticky_enabled=&#8221;#7EBEC5&#8243; image_icon_background_color__sticky=&#8221;#7EBEC5&#8243;]<\/p>\n<p>Traditional health plans pay providers based on negotiated rates, which are often inflated and inconsistent. Employers and employees have little insight into what they\u2019re paying for \u2014 and why. Reference-based pricing (RBP) takes a smarter approach: it ties reimbursements to a transparent benchmark \u2014 usually Medicare rates \u2014 plus a fair margin. This means payments are based on real data, not arbitrary charges.<\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Process&#8221; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#2f2f2f&#8221; custom_padding=&#8221;100px|0px|0px|0px&#8221; box_shadow_style=&#8221;preset7&#8243; box_shadow_horizontal=&#8221;0px&#8221; box_shadow_vertical=&#8221;-100px&#8221; box_shadow_color=&#8221;#ffffff&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.27.5&#8243; background_color=&#8221;RGBA(255,255,255,0)&#8221; max_width=&#8221;1169px&#8221; custom_padding=&#8221;27px|0px|27px|0px&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.27.5&#8243; text_font=&#8221;||||||||&#8221; text_font_size=&#8221;15px&#8221; header_font=&#8221;||||||||&#8221; header_2_font=&#8221;Playfair Display|700|||||||&#8221; header_2_font_size=&#8221;38px&#8221; header_2_letter_spacing=&#8221;1px&#8221; header_2_line_height=&#8221;1.4em&#8221; header_3_font=&#8221;Poppins|700||on|||||&#8221; header_3_text_color=&#8221;#edbb5f&#8221; header_3_font_size=&#8221;32px&#8221; header_3_letter_spacing=&#8221;1px&#8221; header_3_line_height=&#8221;2em&#8221; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; max_width=&#8221;700px&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;|234px||||&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>Process<\/h3>\n<h2><\/h2>\n<p>[\/et_pb_text][et_pb_divider color=&#8221;#edbb5f&#8221; divider_weight=&#8221;2px&#8221; _builder_version=&#8221;4.16&#8243; max_width=&#8221;60px&#8221; module_alignment=&#8221;center&#8221; height=&#8221;2px&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; _builder_version=&#8221;4.16&#8243; custom_margin=&#8221;|||&#8221; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; custom_padding_tablet=&#8221;20%|10%|6%|10%&#8221; custom_padding_phone=&#8221;20%|10%|6%|10%&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221; padding_tablet=&#8221;20%|10%|6%|10%&#8221; padding_last_edited=&#8221;on|phone&#8221; custom_padding__hover=&#8221;|||&#8221; padding_phone=&#8221;20%|10%|6%|10%&#8221;][et_pb_blurb title=&#8221;Research &#038; Analysis&#8221; use_icon=&#8221;on&#8221; font_icon=&#8221;&#xe0f0;||divi||400&#8243; icon_color=&#8221;#ffffff&#8221; image_icon_background_color=&#8221;#edbb5f&#8221; image_icon_width=&#8221;32px&#8221; content_max_width=&#8221;800px&#8221; _builder_version=&#8221;4.27.5&#8243; header_font=&#8221;Poppins|700||on|||||&#8221; header_font_size=&#8221;14px&#8221; header_letter_spacing=&#8221;1px&#8221; header_line_height=&#8221;1.8em&#8221; body_font=&#8221;Poppins||||||||&#8221; body_letter_spacing=&#8221;1px&#8221; body_line_height=&#8221;1.8em&#8221; background_color=&#8221;#ffffff&#8221; image_icon_custom_padding=&#8221;25px|25px|25px|25px|false|false&#8221; text_orientation=&#8221;center&#8221; custom_margin=&#8221;40px|||&#8221; custom_padding=&#8221;60px|30px|60px|30px&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;top&#8221; animation_intensity_slide=&#8221;10%&#8221; animation=&#8221;off&#8221; border_style_all=&#8221;dashed&#8221; border_radii_image=&#8221;on|100%|100%|100%|100%&#8221; box_shadow_style=&#8221;preset3&#8243; box_shadow_vertical=&#8221;15px&#8221; box_shadow_blur=&#8221;80px&#8221; box_shadow_color=&#8221;rgba(0,0,0,0.2)&#8221; icon_font_size=&#8221;32px&#8221; use_circle=&#8221;on&#8221; circle_color=&#8221;#edbb5f&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; image_icon_background_color__sticky_enabled=&#8221;#7EBEC5&#8243; image_icon_background_color__sticky=&#8221;#7EBEC5&#8243;]<\/p>\n<p>Our work begins by reviewing your existing plan designs and financial experience.\u00a0 Are they meeting your goals or are they missing the mark?<\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; custom_padding_tablet=&#8221;20%|10%|6%|10%&#8221; custom_padding_phone=&#8221;20%|10%|6%|10%&#8221; custom_padding_last_edited=&#8221;on|desktop&#8221; global_colors_info=&#8221;{}&#8221; padding_tablet=&#8221;20%|10%|6%|10%&#8221; padding_last_edited=&#8221;on|desktop&#8221; custom_padding__hover=&#8221;|||&#8221; padding_phone=&#8221;20%|10%|6%|10%&#8221;][et_pb_blurb title=&#8221;Market check&#8221; use_icon=&#8221;on&#8221; font_icon=&#8221;&#xe083;||divi||400&#8243; icon_color=&#8221;#ffffff&#8221; image_icon_background_color=&#8221;#edbb5f&#8221; image_icon_width=&#8221;56px&#8221; content_max_width=&#8221;800px&#8221; _builder_version=&#8221;4.27.5&#8243; header_font=&#8221;Poppins|700||on|||||&#8221; header_font_size=&#8221;14px&#8221; header_letter_spacing=&#8221;1px&#8221; header_line_height=&#8221;1.8em&#8221; body_font=&#8221;Poppins||||||||&#8221; body_letter_spacing=&#8221;1px&#8221; body_line_height=&#8221;1.8em&#8221; background_color=&#8221;#ffffff&#8221; image_icon_custom_padding=&#8221;25px|25px|25px|25px|false|false&#8221; text_orientation=&#8221;center&#8221; custom_margin=&#8221;|||&#8221; custom_padding=&#8221;90px|30px|90px|30px&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;top&#8221; animation_delay=&#8221;200ms&#8221; animation_intensity_slide=&#8221;10%&#8221; animation=&#8221;off&#8221; border_style_all=&#8221;dashed&#8221; border_radii_image=&#8221;on|100%|100%|100%|100%&#8221; box_shadow_style=&#8221;preset3&#8243; box_shadow_vertical=&#8221;15px&#8221; box_shadow_blur=&#8221;80px&#8221; box_shadow_color=&#8221;rgba(0,0,0,0.2)&#8221; icon_font_size=&#8221;56px&#8221; use_circle=&#8221;on&#8221; circle_color=&#8221;#edbb5f&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; image_icon_background_color__sticky_enabled=&#8221;#7EBEC5&#8243; image_icon_background_color__sticky=&#8221;#7EBEC5&#8243;]<\/p>\n<p>Most plans (and brokers) should be benchmarked and placed out to bid every 3-4 years.\u00a0\u00a0<\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; custom_padding_tablet=&#8221;20%|10%|6%|10%&#8221; custom_padding_phone=&#8221;20%|10%|6%|10%&#8221; custom_padding_last_edited=&#8221;on|desktop&#8221; global_colors_info=&#8221;{}&#8221; padding_tablet=&#8221;20%|10%|6%|10%&#8221; padding_last_edited=&#8221;on|desktop&#8221; custom_padding__hover=&#8221;|||&#8221; padding_phone=&#8221;20%|10%|6%|10%&#8221;][et_pb_blurb title=&#8221;Execute &#038; Monitor&#8221; use_icon=&#8221;on&#8221; font_icon=&#8221;&#xe0f5;||divi||400&#8243; icon_color=&#8221;#ffffff&#8221; image_icon_background_color=&#8221;#edbb5f&#8221; image_icon_width=&#8221;32px&#8221; content_max_width=&#8221;800px&#8221; _builder_version=&#8221;4.27.5&#8243; header_font=&#8221;Poppins|700||on|||||&#8221; header_font_size=&#8221;14px&#8221; header_letter_spacing=&#8221;1px&#8221; header_line_height=&#8221;1.8em&#8221; body_font=&#8221;Poppins||||||||&#8221; body_letter_spacing=&#8221;1px&#8221; body_line_height=&#8221;1.8em&#8221; background_color=&#8221;#ffffff&#8221; image_icon_custom_padding=&#8221;25px|25px|25px|25px|false|false&#8221; text_orientation=&#8221;center&#8221; custom_margin=&#8221;40px|||&#8221; custom_padding=&#8221;60px|30px|60px|30px&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;top&#8221; animation_intensity_slide=&#8221;10%&#8221; animation=&#8221;off&#8221; border_style_all=&#8221;dashed&#8221; border_radii_image=&#8221;on|100%|100%|100%|100%&#8221; box_shadow_style=&#8221;preset3&#8243; box_shadow_vertical=&#8221;15px&#8221; box_shadow_blur=&#8221;80px&#8221; box_shadow_color=&#8221;rgba(0,0,0,0.2)&#8221; icon_font_size=&#8221;32px&#8221; use_circle=&#8221;on&#8221; circle_color=&#8221;#edbb5f&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; image_icon_background_color__sticky_enabled=&#8221;#7EBEC5&#8243; image_icon_background_color__sticky=&#8221;#7EBEC5&#8243;]<\/p>\n<p>If changes are determined necessary, they must be accurately implemented, tracked for efficiency and reported on for stakeholders regularly.<\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Clients&#8221; _builder_version=&#8221;4.16&#8243; min_height=&#8221;645.5px&#8221; custom_margin=&#8221;||-34px|||&#8221; custom_padding=&#8221;100px|0px|100px|0px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.27.5&#8243; background_color=&#8221;RGBA(255,255,255,0)&#8221; width=&#8221;40%&#8221; custom_margin=&#8221;||||true&#8221; custom_padding=&#8221;27px|0px|23px|0px||&#8221; locked=&#8221;off&#8221; 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