Your Group Health Plan is Overpriced AND YOUR CARRIER KNOWS IT
For a 200-Person Company Most Estimates Put Preventable Health Plan Waste at $500K–$1M Every Three Years
Most of Our Audits Find More
You’re Already Funding Your Carrier’s Profit Margin. Find Out How Much.
Free. No obligation. Results in 48 hours.
What our client’s say about us…
Dominic Bergfeld
Working with BeneSmart has been an incredible experience for Pittsburgh Pipe. Their team not only enhanced our benefit offerings but also helped us transition to a level funded health plan, resulting in significant cost savings. While we were initially hesitant to leave our long-time broker, BeneSmart's expertise, dedication, and personalized attention quickly proved our decision right. We highly recommend BeneSmart for any company looking to improve their employee benefits package and save money.
Stacy Muth
Ameristar Jet Charter's transition to BeneSmart marked a remarkable shift in our employee benefits experience. We moved away from a national brokerage offering little more than an annual renewal call and entered a world of personalized service and genuine care. BeneSmart's team provided comprehensive guidance and proactive support, making our benefits program feel like a true partnership. The difference is night and day, and we wholeheartedly recommend them.
Jessi Willhoite
BeneSmart transformed how we manage our health plan. Before Rich stepped in, three specialty drugs were draining over $35,000 a month. He helped us get control of our pharmacy spend and guided us through a smooth transition into a captive, something we had wanted to do but never felt confident tackling.
Today, our plan is more predictable, more transparent, and finally aligned with our goals. If you want real cost containment and a partner who cuts through the noise, Rich is the one you call.
Your Health Plan isn’t Just Insurance. It’s a Supply Chain — and Yours Has Leaks.
Passive Plans Cost More. Our Blueprint Changes That.
Most employers don’t know where the money is going because their carrier doesn’t want them to. We find the leaks, name the vendors profiting from them, and rebuild the structure so it stops happening.
One conversation shows you where your plan is exposed, what it’s costing you, and what a 3–5 year strategy to reverse it looks like.
This Isn’t Quote Shopping
We don’t find you a cheaper version of the same broken model, we change the model.
After a call with our team:
- You’ll have clear insight into current exposures
- An understanding of future risks in your current structure
- Defined levers to pull now for control
- Next steps aligned with your goals
This is for you.. if…
- You offer group health coverage to 25–1000 employees
- You are experiencing repeat renewal increases
- You are open to evaluating alternative or self-funded strategies
- You want visibility into how vendor incentives impact your spend
- You are willing to make structural decisions and not just negotiate rates
This is NOT for you… if…
• You are only looking for new quotes
• You are comfortable absorbing annual premium increases
• You have fewer than 25 employees
• You want a quick fix instead of structural change
• You aren’t open to examining how your current plan is built
We Rebuild the Plan.
You Stop Absorbing the Increases.
Strategy & Roadmap: Most employers react to renewals. We eliminate that. A multi-year strategy means your costs move on your terms, not your carrier’s.
Vendor Evaluation & Alignment: Every vendor in your current plan has a financial incentive that may not align with yours. We find them, replace them, and bring in partners who make money when you save money.
Funding & Plan Design: Level-funded, self-funded, or captive, the right structure depends on your risk tolerance and workforce. We design it to maximize savings without shifting cost to employees.
Creative Cost Containment Solutions: Direct contracts, reference-based pricing, transparent drug sourcing. These aren’t exotic, they’re exactly what sophisticated employers use to stop playing by carrier rules.
Ongoing Performance Reviews: Your plan shouldn’t run itself. Quarterly reviews keep costs moving in the right direction and give your leadership team the numbers to back every decision.
Frustrated with a lack of strategy?
Not sure if your current plan or vendor partners have your best interests in mind? Our consultation reveals what’s really driving your costs and where your plan is misaligned.
We’ll walk through your current setup using the same lens we use in our Blueprint, so you can see exactly what’s working, and what’s not.