Healthcare Employee Benefits Solutions FAQs

Most brokers deliver spreadsheets and rate increases—we deliver long-term solutions centered around the strategic purpose for your benefits plan.

Our goal with every new client is simple: to help them craft and deliver the BEST open enrollment experience they’ve ever had—for themselves and their employees.

We take the frustration out of benefits and replace it with clarity, engagement, and results.

👉 (See FAQ #2 to learn how we do it with our Cure the Pain Framework.)

We fix broken benefits programs by focusing on four key areas:

• Build: Designing benefits that align with business goals and employee needs.
• Educate: Simplifying benefits so employees understand and value them.
• Enroll: Using modern tools and personalized support to streamline the process.
• Support: Providing proactive service so HR teams and employees get help when they need it.

Yes and no!

We work with businesses of all sizes—whether you have 10 employees or 1,000, we tailor benefits to fit your budget, workforce, and company goals.

But here’s the key: we choose to work with businesses that genuinely care about their employees. Insurance is just one piece of that. We don’t do transactional benefits—we build long-term partnerships with companies that want to create real value for their teams.

We don’t take a one-size-fits-all approach. Instead, we use our Foundation, Walls, Roof method:

• Foundation: Protecting paychecks with disability and life insurance.
• Walls: Adding essential benefits like dental and vision benefits.
• Roof: Customizing major medical options—self-funded, level-funded, or fully-insured—based on your financial goals, risk tolerance and demographics.

This ensures you’re offering real value while controlling costs.

Yes! We specialize in cost-containment strategies like self-funded and level-funded plans, wellness incentives, and proactive risk management. Our approach ensures businesses get more value while spending less.

Our BOSS (Back Office Sales Support) team takes administrative burdens off your plate. We handle deduction reports, employee changes, ID card requests, claim issues, and more—so you don’t have to.

Yes, we work with most major payroll and HR software providers to ensure smooth data integration and minimize administrative headaches.

Employee Education is our SECRET SAUCE! We make benefits simple, engaging, and easy to understand. Our approach includes:

• Live and virtual education sessions.
• One-on-one guidance for employees.
• The Jack & Jill story to illustrate real-life benefit scenarios.
• Easy-to-follow materials like videos, PDFs, and explainer guides.

We do both! We tailor the experience based on what works best for your workforce—whether that’s on-site meetings, live webinars, or interactive digital tools.

Yes! We provide a full-service open enrollment experience:

• Pre-enrollment education and strategy.
• Custom enrollment platforms and tools.
• Personalized support for employees.
• Post-enrollment reporting and admin assistance.

We make open enrollment easy for HR and engaging for employees.

Insurance isn’t just for today—it’s for when life happens. A medical emergency, unexpected injury, or loss of income can be financially devastating. The right benefits protect your paycheck, your family, and your future.

• Deductible: The amount you pay out-of-pocket before insurance kicks in.
• Copay: A fixed cost for services like doctor visits and prescriptions.
• Coinsurance: Your share of medical costs after meeting your deductible (e.g., 80/20 means insurance pays 80%, you pay 20%).

We break these down in simple terms so you know exactly what you’re paying for.

Think about:

• Your health needs: How often do you see a doctor? Do you take regular medications?
• Your financial situation: Would a lower deductible or lower monthly premium make more sense?
• Your family: Do you need coverage for dependents?

Our team can help you weigh your options and choose the plan that fits your lifestyle.

Yes, but only if you experience a qualifying life event, such as:

• Getting married or divorced.
• Having a baby or adopting a child.
• Losing other health coverage (e.g., spouse’s job loss).
• Moving to a different coverage area.

If you have a life change, let HR or our team know as soon as possible to update your benefits.

Our BOSS team is here to help! If you need an ID card, have a billing issue, or don’t understand a claim, we’ll guide you through the process and get it resolved quickly. Just reach out—we’ve got your back.