The BeneSmart Blueprint
Your Health Plan Is More Expensive Than It Should Be
We built the Blueprint to fix that. Invest 10 minutes and see how mid-sized employers are breaking free of the carrier-controlled system.
Ready to see if it fits your organization? Book your Find Your Fit call
What the Blueprint Actually Is
A structured framework that reverse-engineers your health plan — spend, incentives, and risk — so you can see:
What every vendor is paid.
Where your plan is overspending.
What’s driving claims — and how to control it.
Sometimes that leads to self-funding. Sometimes to an alternative model. Sometimes it means fixing what’s already in place. The Blueprint is what tells you which — before you commit a dollar.
Two Paths. One System.
The Blueprint determines which structure actually saves you money — then maps every move to get there.
The Self-Funded Blueprint
The Alternative Funding Blueprint
This Was Built For
Built for
- ✓ CFOs fed up with unpredictable renewals and limited insight
- ✓ HR leaders who want better benefits without a bigger budget
- ✓ Teams ready to lead with strategy instead of reacting to renewals
- ✓ Employers with $500K–$5M+ in plan spend that feels like a second payroll
Not for
- ✗ Quote collectors shopping carriers instead of fixing the problem
- ✗ Employers comfortable with the status quo as costs keep rising
- ✗ Anyone chasing quick fixes, gimmicks, or one-year wins
- ✗ Teams unwilling to challenge vendors or rethink their plan
Most employers don’t know which path they fit into — yet. That’s exactly what the Find Your Fit call determines.
Employer Results
$495K
saved by SalComp Manufacturing in year one — without cutting coverage
32% → 0%
Pittsburgh Pipe turned a 32% renewal increase into a flat cost curve — three years running
$119 → $55
True Fitness cut Rx spend per member per month at the very next renewal
Once you see how the system really works, you won’t approach renewal the same way again. See more scenarios
Find Out If This Strategy Fits
On the Find Your Fit call, we’ll identify where your plan is exposed, where incentives are driving cost, and what staying on your current path will likely cost you.
No pressure. No carrier pitches. Just clarity.
We intentionally limit new Blueprint engagements each quarter. If a new strategy is worth exploring, start before renewal planning begins.
BeneSmart delivers data-driven health plan auditing and alternative funding strategies for employers throughout St. Louis and Kansas City, with independent benefits advisors serving Springfield MO, Milwaukee, Dallas, Houston, Austin, Tampa, Orlando and Naples. From Missouri to Texas and Florida, we provide independent, fee-only advocacy to help CFOs escape the cycle of rising insurance premiums.
Two primers worth reading before that conversation: what signing a broker of record letter actually commits you to, and why health plan cost containment for brokers paid on commission so rarely materializes.