Most employers find themselves stuck in a frustrating cycle with their health insurance: rising rates, higher deductibles, increased copays, and shifting contributions between employer and employee. This pattern repeats year after year, and it’s not sustainable.
Why does this keep happening?
Three main reasons:
- Many benefits advisors lack expertise. They offer cookie-cutter solutions: “Here are your options – pick A, B, or C.” This oversimplified approach ignores each company’s unique needs and goals.
- Some advisors won’t do the necessary work. Building an effective benefits program requires understanding your client’s specific objectives and creating a tailored solution. It takes time and effort – which many aren’t willing to invest.
- The compensation model is broken. Most benefits consultants earn commission based on premium costs. When your premiums go up 5-15% each year, they get an automatic raise. This creates a direct conflict with your goal of controlling costs.
A Better Way Forward
At DSG Benefits Group, we reject the standard industry approach. Here’s what makes us different:
We base our compensation on services delivered, not premium costs. This keeps our incentives aligned with your goals.
We dig deep into your data. If you’re paying thousands in monthly premiums, you deserve to know exactly what you’re getting in return. We analyze:
- Premium dollars versus claims paid
- Risk factors in your employee population
- Opportunities for targeted wellness programs
We build sustainable programs. Rather than accepting regular increases as inevitable, we design plans that can maintain stability over time. This might mean exploring alternative funding options or implementing specific cost-control measures based on your employee population’s needs.
The Truth About “Good” Renewals
Here’s something most advisors won’t tell you: If you’re seeing low increases in the fully insured world, you should probably be self-funding. Those low increases often mean you’re making the insurance carriers rich while missing out on potential savings.
Our Commitment
We put our fees at risk because we’re confident in our ability to deliver results. We don’t believe in vague promises or industry jargon – we believe in showing you exactly what’s happening with your benefits program and giving you the tools to make it better.
We work best with employers who:
- Want something different from the standard market offerings
- Are ready to move beyond the yearly cycle of premium hikes and benefit cuts
- Appreciate straightforward, honest communication about their options
Getting Started
The first step is simple: We listen. We learn your objectives, evaluate your current situation, and analyze your options. Only then do we recommend solutions that align with your goals. No preset molds, no cookie-cutter answers – just strategies that work for your specific situation.
If you’ve been doing the same thing year after year with your benefits program, it’s time to ask whether there might be a better way.