Significant savings with low disruption to employee usageAn employees-first focus leads to a smooth transition to a new approach with significant cost savings
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American Vision Windows is the largest window sales and installation company in California. Their continued success is a result of a balanced focus on both customers and employees. AVW is well-known for taking care of their employees and faced some tough decisions with their group health plan.
Costs are risingCHALLENGE: Rising premiums
AVW was set to have a 12.9% increase in premiums. They were open to exploring alternatives, but wanted to minimize the impact to employees in terms of plan education and provider selection.
Think different about healthcareSOLUTION: Self-funded program with a Captive
Working closely with Mitigate Partners advisor Stephen Daniel, AVW selected a self-funded plan with a Captive solution that guaranteed no new lasers and capped stop-loss at 35%. The new plan also provided enhanced benefits with Cancer Care, Advanced Reporting, Direct Contract Surgery, and Imaging services with $0 out-of-pocket to employees that allowed them to stay within the same network.
Greater participation drives better resultsRESULTS: Lower costs.
INSURANCE PREMIUMS:
21.7% lower