With group health insurance experience going back to 1982, we've seen industry trends come and go, and we've watched insurance companies rise and fall. Over the years we've developed time-tested perspectives that could save you time and money.
MedPlan Access customers have full access to our health insurance support, and we adjust services to meet the needs of each client.
Whether you need a comprehensive market survey or help with mundane administrative tasks like assisting with a claim or enrolling a new employee, we can handle it for you.
We're advocates of consumer-directed health plans like Health Savings Accounts (HSAs). We've seen proof that these products provide meaningful cost control and motivate more informed utilization of health care services.
For some insight, consider the extent to which health care pricing has been warped by insurance benefits which insulate consumers from the cost consequences of their health care decisions. A useful example is the evolving cost of laser eye surgery:
In 1998 the normal cost of laser surgery was about $2200 per eye. Now it's close to $1350. It's no coincidence that this procedure is rarely covered by health insurance. Laser eye surgery is one of few health procedures sold in a free market with price advertising and consumer-driven purchases.
Free markets aren't effective unless informed consumers have a financial stake in their decisions. Consequently, Health Savings Accounts (HSAs) and Health Reimbursement Accounts (HRAs) empower the health care consumer.
We've seen consumer-driven plans in action. The employer saves money, and employees experience a net financial improvement. Often the most difficult aspect of implementing these plans is overcoming employee resistance to change. A little education can help, and we can assist with that.
On the other hand, high deductible HSA and HRA plans may not fit your organization's current circumstance. Every organization operates under different employee benefit parameters, and we understand some businesses simply have to offer more generous traditional health insurance. For whatever type of group medical plan you must provide, we can help you get the most competitive pricing from the most respected insurers.
By working effectively with your insurance company, we can directly impact your bottom line and minimize the time you have to spend dealing with employee benefits.
If you're interested in working with us, contact us via phone or email, or use our Small Group Quote Request Form.
6 Grapevine Place
P.O. Box 2220
West Lafayette IN 47906
FAX (765) 464-3301