A Better Approach
to Benefits
Our Non-Traditional Approach Can Save Businesses and Employees Up to 40% in Healthcare Savings.
The Independent Employee Benefits Firm for Forward-Thinking Businesses
Why Choose
Kimmel Benefits+
As a full-service employee benefits firm, we support your complete benefits package. Our team provides expert benefits and HR guidance along with personalized support to ease your administrative burden and ensure compliance.
Save Money
Our intimate knowledge of the healthcare ecosystem and plan design have proven results in savings.
Save Time
Streamline Your Benefits & HR Tasks! With our powerful benefits and HR platform, your employees can easily manage their benefits and HR tasks, saving time and reducing administrative burden.
Attract and Retain Great Employees
Do you struggle to maintain employees? Our custom built, affordable and high performance benefit plans make you an employer of choice.
The Kimmel Benefits+ Approach
There has been a systemic resistance to changing the status quo of health insurance which has led to the diminishing value of employer health plans. However, a better health plan at a lower cost is possible. We offer alternatives to traditional health plans while helping companies achieve sustainable benefit programs. Click on the steps below to review the Kimmel Benefits+ approach.
COMPANY
ASSESSMENT
EMPOWERING
PLAN DESIGN
CHANGE
MANAGEMENT
SUPPORT
ACTIVE PLAN
MANAGEMENT
HR SUPPORT
Step 1 – Company Assessment
The first step in our process is to assess your company’s health plan data in order to discern opportunities and strategies to control costs without compromising value. We work closely with our clients to understand your specific risk tolerance and financial goals to achieve long-term sustainability. We take into consideration your company’s structure, financial health, past experiences, and culture to define the best future benefit plan for you!
Step 2 – Build an Empowering Plan Design
We create an empowering plan design that enables you to reduce your out-of-pocket costs through choice, knowledge, and support. We start with your company’s current or desired health plan design to define members’ maximum out-of-pocket cost. Members can reduce their costs when they use tools that are built into the plan to help them navigate the complicated healthcare system.
Step 3 – Change Management Support
We do benefits differently, which requires a paradigm shift in how to think about paying for healthcare. First, we educate your company’s leaders on new concepts to control healthcare costs. Next, we initiate an educational initiative for your staff, presenting and emphasizing health plan tools and resources designed to manage expenses and reinforce the plan’s value.
Step 4 – Active Plan Management
Data is key to understanding health costs and managing those costs effectively. We work with partners that provide transparent and unrestricted plan utilization and claims data. Our clients receive monthly reports with ongoing oversight and analysis of your claims data. Doing so helps catch errors, anticipate future costs, and identify cost savings opportunities before large claims occur.
Step 5 – HR Support
We support all aspects of your benefits plan, including administration, compliance, and employee communications. Through our extensive HR experience and compliance resources, we can quickly address common HR questions and provide guidance on a range of HR issues. We are an extension of your HR team, and you can rely on our expertise.
Step 1 – Company Assessment
Step 2 – Build an Empowering Plan Design
We create an empowering plan design that enables members to reduce their out-of-pocket costs through choice, knowledge, and support. We start with the company’s current or desired health plan design to define members’ maximum out-of-pocket cost. Members can reduce their costs when they use healthcare consumerism tools that are built into the plan to help navigate them through the complicated healthcare system.
Step 3 – Change Management Support
We do benefits differently, which requires a paradigm shift in how to think about paying for healthcare. First, we educate the company’s leaders on new concepts to control healthcare costs. Next, we initiate an educational initiative for your staff, presenting and emphasizing health plan tools and resources designed to manage expenses and reinforce the plan’s value.
Step 4 – Active Plan Management
Data is key to understanding health costs and managing those costs effectively. We work with partners that provide transparent and unrestricted plan utilization and claims data. Our clients receive monthly reports with ongoing oversight and analysis of your claims data. Doing so helps catch errors, anticipate future costs, and identify cost savings opportunities before large claims occur.
Step 5 – HR Support
We support all aspects of your benefits plan, including administration, compliance, and employee communications. Through our extensive HR experience and compliance resources, we can quickly address common HR questions and provide guidance on a range of HR issues. We are an extension of your HR team, and you can rely on our expertise.
Cost Containment Strategies
Case Studies
Recruitment Firm Reduces Healthcare Costs to 2012 Level!
While most employers’ healthcare cost has increased by almost 70%* over the past decade, this recruiting firm experienced its lowest cost since 2012! In 2022, the client’s medical claims were 37% below the benchmark and 72% below the RX benchmark, outperforming other self-funded plans.
How? In 2019, the company changed its self-funded strategy by switching from a bundled major carrier to an independent Third Party Administrator (TPA). The independent TPA provided full access to claims data and gave the group the flexibility required to implement key cost containment strategies.
As a result, the company was able to achieve cost savings, improve its claims management, and maintain a high-quality health plan for its employees.
*Mercer National Survey of Employer-Sponsored Health Plans
AVL Restaurant Cuts Costs & Boosts Value by Dropping Health Insurance
With the new program, Luella’s BBQ employees now have access to high-quality healthcare that they can afford. This program has allowed Jeff to expand his benefit program leading to higher employee satisfaction and retention rates.
Hospitality Group Offers Benefits for the First Time!
A restaurant group with 450+ employees struggled to find affordable health insurance. With Kimmel Benefits+ help, the restaurant group implemented an Individual Coverage HRA and a membership-based healthcare program featuring Direct Primary Care and Medical Cost Sharing. The majority of employees opt for Medical Cost Sharing while ensuring that eligible employees have access to a traditional health plan through ICHRA. This hybrid approach is contributing to 40% in healthcare savings, allowing the group to expand their benefits package to include dental, vision, and life insurance.
$0 deductible when
members use navigation
$0 office visits, labs,
and medication
$500k in company
RX savings
40% lower cost compared to a fully insured plan
$0 copay for Direct Primary Care (DPC) visits
lower out-of-pocket cost for large medical expenses
over 50% benefits-eligible employee engagement
Doing Benefits Differently with Kimmel Benefits+
