Employee Benefit Consulting

Are Healthcare Costs Destroying Your Bottom Line?

Managing employee healthcare costs has become a struggle for employers of all sizes. Years of double digit increases have made health insurance and other employee benefits a major cause of concern for most businesses. The typical response by most employers has been to increase premiums, deductibles, and copayments and shift the costs to employees. But that doesn’t help you attract and retain the most qualified employees.

Providing your employees with a comprehensive benefits package is an important part of being an “employer of choice” in your industry and community. Your larger competitors are offering the most qualified workers more choice when it comes to medical, dental, vision, life, and disability plans. If you are going to compete in the war for talent, you need to be able to offer meaningful benefits at affordable costs to your employees. And that means you need someone in your corner that can design and manage programs to meet those objectives.

You need the team at Rampart Advisors.

Put Our Experience to Work for your Business

Rampart Advisors is a full service employee benefit consulting and administration firm that protects your business against the rising costs of healthcare and other benefit programs. Our management team has years of experience designing and managing employee benefit programs from every perspective, as employer, claims administrator, consultant, medical director, and agent. We work with the leading vendors for each benefit type and manage those relationships on your behalf, handling everything from plan design to enrollment to claim resolution. Our considerable experience using stop-loss insurance and other financing options available through these vendors gives your company a significant advantage when it comes to cost control, cash flow, and service.

Measure Risk. Manage Costs.

But sometimes you need more than just the right program and vendor to control costs. In most health plans approximately 5% of your participants account for 50% of your total costs. A large percentage of your workforce is healthy and rarely uses the medical plan. The goal is to keep the healthy people healthy while the sick receive the treatment they need for their diagnosis.

Our team of medical and benefits professionals can design and administer health risk assessments, analyze your claim data, identify primary cost drivers, and recommend, design, and implement wellness and disease management programs that can help lower future costs. Whether your information needs are simple or complex, our team can also help design and produce a periodic reporting package to easily compare actual and expected plan expenses and help prepare future healthcare budgets.

To find out more about our Employee Benefit consulting service, complete an Information Request Form and a member of our Business Development team will contact you to answer schedule a Needs Analysis.