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Traditional Group Medical Plans Suck!

We help YOU design a benefits plan that actually benefits YOUR company.

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  • Gain Clarity on Premiums
  • Access to High-Quality Care
  • Take Control of Your Renewals
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Frustrated with Rising Medical Premiums and See No Way Out? You’re Not Alone.

  • Tired of watching your healthcare premiums increase by 15-20% every year?
  • Confused about how your healthcare plan works?
  • How simple and clear was your last renewal process?
  • Do you know if your employees took advantage of their healthcare plan?

You’ve poured sweat & tears into your business!

Don’t let your healthcare plan control your revenue. It’s time to take back control.

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medical renewals are
expected to double in the next 7 years.

If you do nothing, you’re going to leave a lot of money on the table and be at the mercy of these traditional medical plans.

We have a solution. Book an Appointment
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We have a solution. Book an Appointment

There’s a Smarter Way to Offer Benefits to Your Employees

Our Managed Risk Plan puts you in control, helping you manage benefits easily and save money.
  • Take Control with Confidence:

    healthcare
  • Better Benefits for Your Employees:

    high quality
  • Manage your healthcare plan with ease and focus on what matters most—your business revenue.

  • Know exactly where your money is going, helping you avoid surprises and make smart decisions.

  • Get a healthcare plan that’s right for your business and your team, without overspending.

  • Plan ahead with more predictable renewals, keeping your revenue on track.

  • transparency

    Clear Understanding of Costs:

  • analytics

    Predictable Renewals:

Maximize Business Benefits

We help CFOs, business owners, and HR leaders who want to take back control of their healthcare premiums with a plan designed to provide clear, predictable costs year after year. This means no more surprise increases, allowing you to budget confidently and protect your revenue.

Our plans also offer better coverage for your employees, giving them the care they need while keeping your costs under control.

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Take Charge of Your Healthcare in 3 Simple Steps

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Case Studies

See how companies gained control over their claims and saved an average of 27% on healthcare costs in just 2 years.

Traditional Medical Plans vs. Managed Risk Plan: Choose What’s Best for Your Business

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Current Traditional Medical Plans

  • A plan that is built to benefit the status quo

    • Designed to maximize industry profits
    • Misaligned incentives
    • Hidden payments
  • A plan that is deliberately opaque

    • Intentionally complex & incomprehensible
    • One-sided contract terms
  • A plan that gives you no influence over

    • Where your money goes
    • Quality of care provided
    • The price you pay for care

Managed Risk Plan

  • A plan that’s built to benefit you

    • Contracts at the best price
    • Access to high-quality doctors
  • A plan that is fully transparent

    • The data and analysis you need
    • Fewer conflicts of interest and one-sided contracts
  • A plan that delivers the best care

    • Care navigation for patients
    • High-quality providers and facilities
    • Fair and reasonable pricing
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Is Your Employee Benefits Plan Really Working for You?

Download resources to see if your employee benefits plan helps YOU and YOUR BUSINESS

frequently asked questions

A managed risk plan — another term for a level-funded and self-insured plan — differs from a traditional medical plan because it offers more transparency in how your actual premium dollars are spent.

Traditional plans often keep key aspects like tax benefits, stop-loss insurance protection, savings on administrative costs and large claims, and control over claim reserves hidden, not sharing their true costs.

In contrast, managed risk plans provide transparency in these services with pricing, allowing for more effective management of claims and costs.

Traditional plans lack transparency and decision-making data, are overly complex, and are financially unpredictable — costs rise year after year. It’s estimated that these plans are going to double in the next 7 years.

The prevailing attitude has been «It is what it is.» For the past 10 years, CFOs have been told that change is not possible. Without even knowing if they are on a fully insured plan, how can they transition to a managed risk plan?

Traditional medical plans lack transparency, preventing companies from effectively managing medical expenses. As any CFO knows, if you can’t manage expenses, you can’t control costs.

Despite healthcare often being the second largest expense after payroll for many employers, it tends to receive little scrutiny, in contrast to much smaller expenses that are closely monitored.

The Manged Risk Plan employs a multitude of strategies. These include managing claim risks, lowering operating costs through smart plan designs, and provider networks & claim audits.

We improve cash flow and offer potential for surplus retention. We also provide tax benefits, stop-loss insurance protection, savings on administrative costs and large claims, and control over claim reserves.

The Manged Risk Plan uses real-time claims-data access and effective risk management to make accurate predictions about future renewals.

We design flexible plans concerning copays, deductibles, and steerage. Our strategy also includes a long-term focus on health insurance premiums, promoting transparency, and access to quality healthcare providers.

You can expect greater access to higher-quality providers, increasing clarity and transparency on your claims data which allows predictable medical renewals.

The plan also ensures faster claim resolution, offers customized reporting, and helps craft a competitive benefits package.

It gives you flexibility in plan design and enables better employee engagement. It offers independence from traditional fully-insured carriers and reduces carrier profit margins.

By adopting the Manged Risk Plan, we eliminate a layer of the traditional medical carriers, which in turn reduces carrier profit margins.

This means more of your money is spent directly on employee healthcare and not on padding the pockets of third-party insurers.
*Refer back to the carries profit graph

We use a third-party vendor that reviews, verifies, and confirms your medical claims are in line with your CPT procedure codes.

This ensures your employees receive the care they need without undue waiting, enhancing their experience and satisfaction.

It does involve a slightly more oversight, about 1 hours a month, but that can save you an extra 10-15% on your medical renewals.

founder

Rhett Robbins,
Founder of Buttler Benefit Group

Turning complex healthcare into a growth pathway for your business.

Health insurance plans are frustrating!

Premiums rise year after year, along with deductibles, copays, and out-of-pocket maximums.

In fact, medical premiums are expected to double within the next 7 years. That’s outrageous!

We’re so frustrated that we consistently searching for ways to beat the traditional (fully insured) group medical carriers.

That’s hard to do when the carriers are spending billions on lobbying efforts and posting record BILLION-dollar profits year after year.

Did you know the #1 reason people file bankruptcy is due to medical debt (46%) & the biggest surprise I learned was that 65% of them had health insurance.

We have found a solution that beats the traditional (fully insured) carriers for the moment, and we’re happy to share that process with anyone who wants to learn how.

It’s time for employers to take back control of their group medical plan and say, «Our medical plan sucks, and we want a better option.»

Let’s work together to increase your company’s access to quality care, profitability, and employee pay by constructing a group medical plan that does not suck and provides predictable medical renewals.

Stop being frustrated, and learn how to beat the traditional carrier system. We’re excited to share our process and bring that BUCA*-busting solution to you!

«Our Goal?» you ask.
Simple, to «Become your trusted advisor in all things BENEFITS
AND — «Always Happy to Help!»

* BUCA stand for «Blue Cross, United, Cigna, Aetna»

P.S. Don’t get us wrong, traditional (fully insured) carriers (* BUCA) can be the perfect fit for many employers. However, alternative options exist for those frustrated with rising premiums and who want access to better quality care. We still provide traditional options because sometimes they are the best fit.

GET A MEDICAL PLAN THAT DOESN’T SUCK

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