PARTICIPATING FUNDING ARRANGEMENT
With healthcare costs continuously rising and healthcare premiums increasing in tandem,
small and medium sized businesses alike are finding the marketplace unsustainable.
RogersGray has curated a unique solution to combat this challenge and help businesses strategize and
even benefit financially without penalizing employees by cutting benefits or increasing deductibles.
The PFA is an alternative solution to your traditional benefits plan.
Have you wondered if there are ways to combat rising health insurance costs? Or whether your company could offer a better health insurance plan to your employees? If so, you’re not alone.
The aging population, chronic disease prevalence, and the rising price of prescription drugs are all contributing factors driving both healthcare costs and insurance premiums upwards.
Unfortunately, many insurance brokerages can only offer solutions like these to try and offset these high costs:
- Scale back insurance offerings all together
- Increase deductibles and co-payments for employees
- Change insurance providers
Significant changes like these can not only leave employees disappointed and frustrated with the decrease in coverage, but also put additional strain on Human Resource departments who are left to explain the unfavorable adjustments.
RogersGray, on the other hand, has developed a solution that has helped many clients take back financial control of their health insurance program while preserving their current benefit offerings.
More specifically, the RG Group Health Insurance program has helped businesses with 25-300 employees achieve the following results:
- No rate increase (many clients have achieved this for 3+ years in a row)
- No plan design change (same deductibles or improved plan design)
- No health insurance carrier change (BCBSMA, BCBSRI, THP, AHP, etc.)
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THE RG EMPLOYEE BENEFITS PARTNERSHIP
We are not a vendor in employee benefits, business insurance, or personal insurance. We are a business partner.
QUESTIONS TO ASK WHEN CONSIDERING A PFA
If you find yourself answering yes to these questions, your organization may be a perfect candidate for our program.
| QUESTION TO ASK | YES | NO |
|---|---|---|
| Has your organization experienced significant rate increases year over year? | ✓ | |
| Are you constantly re-evaluating your benefits offerings in an attempt to find savings? | ✓ | |
| Could your organization benefit from a financial surplus at year-end? | ✓ | |
| Do you have between 25-300 full time employees? | ✓ | |
| Are you interested in managing the health of your employee population more proactively? | ✓ |