Case Studies

A non-profit organization with 40 employees was spending over $300,000 on Health insurance benefits, and approached us to review their benefit package. Northern Benefits reviewed their current plan and related data and researched options for them. By implementing a HRA Plan, Health Reimbursement Account the organization was able to reduce their premiums to $140,000. Additionally, the group received a guaranteed a savings of $60,000 and a potential savings of $150,000 for the first year.

A creative plan design provided employees a more enhanced benefit package and lower out of pockets costs which everyone considered a success.

Another client of Northern Benefits is a family owned business that provides their employees with 100% paid health insurance. They were facing challenges keeping up with increasing co-pays and deductibles on top of increasing premiums. Northern Benefits reviewed their current plan and presented options. The company chose a HDHP Plan, High Deductable Health Plan along with an HRA and was able to continue providing employees with 100 % paid premiums as well as 100% of health care costs. Employees are managing their own HRA Plan achieving more flexible coverage at pre-tax savings. Not only was savings achieved for the employer the employee no longer has any additional deductibles or copayments.

One of our clients has a company with employees who are covered under a particular plan and called us with claim issues they were having with their health insurance carrier. It had come to their attention that a particular medical procedure (?) that they had included in their plan was not being processed as a covered expense. Our agent reviewed the issue and determined there were inconsistencies in how the claims were processed, and then contacted the carrier on their behalf.