The Experts in Self Funded and

Split Funded Healthcare

for Companies 2 – 250

We are consultants that specialize in one thing: custom health plans that reduce your healthcare costs and provide the very best benefits available to you and your employees.

We’re different than typical group benefits agents or brokers, because we bring several decades of managing – hands on running, not just selling – Self Funded employers, PPOs, Utilization Management, case management and every other aspect of cost containment. These are the tools and experience we use to craft your custom benefits design, year after year.

Every dime you save on healthcare is profit.

If you reduce your medical costs by $1, that dollar literally falls to your bottom line. Combine that with the fact that employer healthcare costs have risen 154% in the last 10 years and you know you need knowledgeable, creative consultants to help you design, implement and maintain the most cost effective plan for your company.
No matter what you pay for medical coverage, if that plan doesn’t run smoothly, it’s seen as a lousy plan. Again, you need knowledgeable consultants to run interference with the benefit payor when it is needed.

We’re different than most agents. We haven’t just sold benefit plans; we’ve been down in the trenches.

We created first PPO in the nation, one of the first utilization management companies, the first out-of-network negotiation company and a third party administrator for self funded plans with the Specific and Aggregate stop loss insurance needed to protect employers. And, along the way, we created and administered a multiple employer trust for small employers. We know group benefits in ways few agents or brokers do.

We use our unique, valuable knowledge about the healthcare industry…

…to design custom plans for companies from 2 to 200 employees. And we help them meet the challenges of this market while enjoying the advantages usually reserved for much larger employers.

We use combinations of Self funding, Aggregate Stop-Loss and Specific Stop-Loss plans, excellent third party administrators (TPA’s), fully insured plans, level funded plans, HDSA’s, HSA’s, FSA’s…we consider every available and allowable insurance option, state and federal program, we leave no stone unturned to create your very best group benefits plan.

We want to be your broker.

We want to work with you to create the most cost effective, user-friendly employee medical plan possible, assist you in implementing it, and make sure those benefits remain right for you over the years.

The employee benefit world is changing.

Premiums are exploding. The state of California is requiring more and more benefits be provided to employees. And, oh, yeah, then there is the Patient Protection and Affordable Care Act–Otherwise known as Obamacare. No matter what happens, there WILL be an impact on your business, and you’ll want a deeply experience guide to help you navigate these waters.

Let Benefit One examine your current benefits, compare them with all of the other plans available (we represent them all) and give us the chance to create the right plan – at the right price – custom designed for your company.

We’re Benefit One, California’s leading group benefits consultants for companies 2 – 250.

Benefit One Insurance Associates