You really want to offer employee benefits BUT ... it's too expensive. it's too complicated. it's too time consuming. the employee's won't participate. it's overwhelming. there are so many options. what do I even choose?
About Brian
Brian Hanley
I never thought I would graduate college and end up in the insurance industry. Yet if it weren’t for that leap of faith I made to join Aflac many years ago, I would not be the business leader, father and friend that I am today. After growing with the company for 22 years, I have held many different positions that have taught me the value of conducting business with both people and products that you believe in.
Throughout the years, I developed a passion not just for Aflac’s products and the difference they make in policyholders lives, but also for furthering the entrepreneurial spirit and helping others achieve their professional goals. It was that passion and a focus on leadership development that prompted me to move to Chicago, Illinois to lead my own team of sales professionals. Today, our talented and caring team strives to support local businesses by providing custom benefit solutions that help owners simultaneously improve their work environment and bottom line. This process not only leads to increased productivity and morale, but it also offers financial protection for the employees and their families during medical treatment and recovery.
We developed a better approach that works for small business and its employees.
Available Services
Major Medical
Health Care Options
Primary Care Doctors
Dental
Vision
Life
Short Term Disability
Prescriptions
Telemedicine
Traditional Insurance
Broker Approach
Traditional brokers generally don’t use the house building metaphor but if they did, here’s how their model would look:
The Foundation
- Traditional Broker Choice: Major Medical
- Cost: Way too much
- Employees: Confused and Angry about out of pocket costs
- Employer: Doesn’t solve 99% of the problems with benefits AND is the most costly thing on the books apart from payroll.
The Walls
- Traditional Broker Choice: Dental, Vision, Life, Disability
- Cost: Varies
- Employees: Want these coverages but often have no money left to purchase w/ the cost of medical
- Employer: Spend SO MUCH on the “foundation” they have little to no left over budget for “walls”
The Roof
- Traditional Broker Choice: Most never get here. If they do it’s “voluntary insurance” with little to no actual value or strategy
- Cost: Affordable unless duplicative. Then a total waste of time & money
- Employees: Often will choose “voluntary” products over medical because they think it will cover them entirely
- Employer: Little to no value because of no strategy
With this traditional approach
- costs would increase annually
- employee out - of - pocket costs may be too high
- cracks in the foundation based on major medical insurance
Without a solid foundation, the whole house, or benefits plan, falls apart
The Benefit Doctor Approach
The Benefit Doctor brokers begin with the exact per-employee budget in mind. Next, we consider paycheck protection or voluntary insurance as the foundation for the house, flipping the script on the traditional approach.
The Foundation
- BenDoc Choice: Employee Paycheck Protection
- Cost: Affordable
- Employees: What is absolutely most important to them?
- Employer: Transfers the liability & risk from accidents & illness to a simple insurance program that will actually benefit employee when needed
The Walls
- BenDoc Broker Choice: Direct Primary Care, RX, Dental, Vision, Life
- Cost: Affordable
- Employees: LOVE that the ‘everyday’ stuff is covered without massive out-of-pocket expenses like deductibles and co-pays
- Employer: Already has significantly better benefits for a fraction of what most small business spend on benefits… and we still have more to offer!
The Roof
- BenDoc Broker Choice: Major Medical / Health-Share
- Cost: Varies depending on choices
- Employees: Need and want peace of mind that “major” life events will be covered
- Employer: Their minds BLOW UP. Can’t believe the amount of headaches, stress and dollars this approach saves them. Becomes a raving fan of The Benefit Doctor and wonders why more brokers don’t ‘borrow’ our approach and serve their clients this way.
The Benefit Doctor Protects You !
- Adds a layer of protection by always working within your budget for benefits, called a Direct Contribution Plan or DCP
- We’ll propose a plan for you that meets your budget and comes together to build a solid house for a pain-free benefits solution
Resources
Other videos of interest that will help you understand the benefits we can put together for you & your staff to make a comprehensive benefit plan:
Sedera
Direct Primary Care For Business
Direct Primary Care Explained!
Services
Major Medical Insurance
Direct Primary Care Insurance
Disability Insurance
Clever RX
As an added bonus to your employees we have partnered with Clever RX to provide them with a complimentary prescription discount program that offers up to 70% off prescription medications from popular retail pharmacies.
The Benefit Doctor works with you to strategically build from the bottom up a customized health care insurance plan for your employees. Unlike other firms that throw together generic packages that they offer to various companies, we are committed to partnering with you to develop a plan that works for your company. We also communicate in an intentional and straightforward manner.
Testimonials
Your Next Step
Foundation starts with the right contractor. For your small business or employer group, The Benefit Doctor offers benefit package solutions that begin with your budget, are built with a solid foundation, walls and a roof, and end with a well-built structure that will work for you and your employees.
