Alternative benefit funding

AVOID PROFIT-STARVING

PRICE HIKES 

Say goodbye to the endless cycle of insurance premium hikes! With our creative financing solutions, you can enjoy up to 20-40% in cost savings while ensuring your employees receive comprehensive coverage.


Our clients have exclusive access to the latest and most innovative cost-reduction models available in the market. Let us help you achieve peace of mind and financial stability for your business.

SPEAK WITH A KBI EXPERT

Want to Learn More?

SET UP A MEETING WITH US TODAY!

ALTERNATE BENEFIT FUNDING OPTIONS


Fully Insured

The most common approach for companies.


Fixed cost regardless of utilization—overpaying for coverage by 15-40%!


Premium | Premium Tax

Partially Self-Funded

Pay a monthly fee to the administrator to facilitate payments of claims on co.'s behalf


Cost reduction of 15-25% and improved benefits!


Premium | Premium Tax | Administration | Claims



Level Funded

Any unused claim dollars are typically split 50/50 between the employer and medical carrier.


Cost reduction of 15-25% and improved benefits!


Premium | Administration | Claims | Savings Split

Self Funded

Further, reduce fixed costs by increasing deductible that's backed by stop-loss insurance.


Cost reduction of 25-40% and improved benefits!


Premium | Administration | Claims

Captive

Self-funded company shares the capital risk with other companies and is considered a part-owner.


Cost reduction of 25-40% and improved benefits!


Premium | Administration | Claims

Consortium

Self-funded company shares the risk in numbers with other companies but is not considered a part-owner.


Cost reduction of 25-40% and improved benefits!


Premium | Administration | Claims

Reference Based Pricing

Covers in-patient procedures (hospitalizations & surgeries) on a percentage of Medicare.


Cost reduction of 25-40% and improved benefits!


Premium | Administration | Claims


TRYING TO increase compensation

without increasing salary?

Want to offer rich plans for retention and attracting talent... without breaking the bank?

Our Carriers

We provide expert guidance on all types of benefits, including health, life, dental, vision insurance, and more.

NAVIGATING OBSTACLES TO SAVE MONEY 

Say farewell to the yearly rate increase headache! If you own a business with over 50 employees, it's time to consider our creative financing options for employee benefits. Partner with us and craft a winning strategy that will steer you away from the rate hike cycle and set your company on the path to growth and prosperity.


Don't let insurance costs hold you back any longer. Invest in your business and employees' future today.

SCHEDULE A CONSULTATION

WHEN DOES ALTERNATE FUNDING MAKE SENSE? 

Are you a non profit? With the right strategy you could get up to 100% coverage, enhance comp, and do so without increasing someone's salary.


Our solutions offer a more strategic approach that can help you maximize the value of your benefits while reducing costs. Don't let the current system hold you back any longer.

SPEAK WITH A KBI EXPERT

Customer Testimonials

Benefits | Contact Form

Reach OUT

We believe the relationship between employer and employee has tremendous untapped potential. We are here to help our clients unleash that potential.


We would love to help, contact a team member today!