Employee Benefits
Small Group Solutions
Large Group Solutions
America’s Benefit Employee Benefits Solutions
The America’s Benefit employee benefits department comprises a national team of dedicated, highly experienced insurance brokers and professionals who always have your best interests in mind.
We are passionate about protecting your assets and helping you grow. Our team approach combines local and national professionals to ensure you realize the maximum return on your healthcare investment.
In partnering with us, our clients can expect us to:
Examine population health indicators
Use advanced data analytics to enhance results and reduce expenses
Develop and execute modern plans for higher cost savings
Boost departmental productivity
Improve efficiency
Provide employee education
Enhance employee perception value
Improve talent retention and recruitment for organizations
Implement exclusive bundled payment programs
Our mission is to ensure your company’s employee benefits services support your corporate goals.
We achieve this by collaborating with clients to develop, implement, and monitor tailored strategies and solutions. Leading the way with experience-based recommendations and offering the latest technology is the way to stay ahead. We utilize data from all aspects of your employee benefits programs to analyze the status and identify trends impacting effectiveness.
We align your strategic objectives with our current program analysis to develop integrated, customized solutions. We explore solutions, including contribution strategies, consumer-driven health care, renewal strategies, wellness initiatives, disease management, plan pricing, plan design, and pharmacy management. We believe we have the industry knowledge and expertise to offer your employees the highest level of health and welfare benefits that align with your company’s culture.
This means that we do not blindly offer blanket plans to ensure that your employees are covered. Rather, we take an analytical approach to all employee benefits services to ensure that the benefits we offer add the highest level of value to your employees and the company.
Every decision we make should include an ROI.
Our benefits clients range in size from groups of 2 to over 10,000. Recognizing the diverse needs of different-sized organizations, we deploy distinct teams and services aligned with the business challenges and objectives of small, medium, and larger employers.
We have industry-wide relationships with various top-rated insurance carriers. This allows us to provide a wide range of products and services and gives us a competitive advantage over other agencies.
Small Group Solutions
Large Group Solutions
America’s Benefit Strategy & Plan Design
At America’s Benefit, our strategy for developing benefits involves a detailed analysis of several critical factors:
Examine population health indicators
Utilization of advanced data analytics to improve results and reduce costs
Creation and implementation of modern plans for greater cost savings
Enhancement of departmental productivity
Provision of employee education
Enhancement of employee perception value
Improvement of talent retention and recruitment
Implementation of exclusive bundled payment programs
Improvement of operational efficiency
One key aspect of our approach is benefit plan design. We conduct real-time plan modeling to identify optimal plan designs, payroll deductions, plan funding
structures, and more.
Our expertise also extends to evaluating your current funding mechanism and guiding you through the transition from fully insured to level-funded or self-funded options, including captives and non-captive choices.
We assess the structure and performance of your stop-loss coverage and recommend alternatives as necessary.
We engage our clients in a series of in-person planning sessions to model benefit plan designs and quantify the potential impact of changes on employee behavior and the bottom line.
During these sessions, our experts provide an executive summary of retrospective, concurrent, and predictive analytics findings.
We discuss the data in real time, addressing any questions or concerns as they arise, ensuring a comprehensive understanding of the proposed changes and their implications.
Case Studies
Analyzing Claims Data Leads to Millions in Savings
PEPM Rx cost took a huge jump in September of 2015, and after a few months, it was clear that this was not an aberration, but the new “normal”. The spike was so profound that year over year Rx costs more than doubled – to the tune of an additional $2.8M dollars. The claims…
Analyzing Claims Data Leads to Millions in Savings
PEPM Rx cost took a huge jump in September of 2015, and after a few months, it was clear that this was not an aberration, but the new “normal”. The spike was so profound that year over year Rx costs more than doubled – to the tune of an additional $2.8M dollars. The claims…
Let’s explore Employee Benefits solutions for your business.
Employee Benefits Blog
2025 Out-of-Pocket Maximums: What You Need to Know
Welcome to America’s Benefit! We have some important updates regarding the out-of-pocket maximum limits for 2025, straight from the Department of Health and Human Services (HHS). These changes are essential for managing your healthcare expenses effectively. Let’s dive in.
Key Updates for 2025
Individual Plans
Starting in 2025, the out-of-pocket maximum for individual plans will increase. This means you’ll need to budget a bit more for your healthcare costs. Staying informed helps you plan better and avoid unexpected expenses.
Family Plans
Family plans will also see a rise in their out-of-pocket maximum limits. This adjustment is crucial for families to manage their healthcare budgets and ensure they are prepared for any medical expenses that may arise.
Why This Matters
Understanding these changes is vital for making the most of your healthcare benefits. By staying informed about the latest updates, you can better manage your healthcare costs and avoid surprises.
Action Steps
Review Your Plan: Check your current healthcare plan and see how these changes might affect you.
Adjust Your Budget: Plan ahead for the increased out-of-pocket maximums to avoid any financial strain.
Stay Informed: Keep up with the latest updates from HHS and America’s Benefit to ensure you’re always in the know.
For more detailed information, schedule a call with Ron Stromple.
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