Most New Jersey employers get a renewal number every year - and never the claims data behind it. We’re a benefits consultancy for companies of 25 to 1,000+ employees who are tired of paying more without knowing why. We show you your own numbers, model a better way to fund them, and drive the cost down with you year over year.
{{ p.body }}
If your broker only shows up at renewal with a bigger number, that’s not a partner - that’s a bill.
{{ s.body }}
Your employees keep their doctors, their network, and their cards. What changes is who benefits when your group runs healthy - and how much you actually get to see.
Not a sales deck. The actual numbers behind your health plan, laid out so you can read them in five minutes - and honest enough to tell you when there’s nothing worth changing.
Where every dollar of your plan actually goes. The data your carrier already has - and that you’ve never been handed.
Best, expected, and worst case - with the worst case capped before you sign. You see the full downside up front, not in a surprise renewal.
Not twenty confusing quotes. We cull it down to the handful that actually fit your group, side by side with what you have today.
How your plan, deductibles, and contributions stack up against similar New Jersey groups your size. You stop guessing whether your deal is fair.
Here’s the part nobody explains: the reason you’ve never seen your claims data is that your current broker holds the keys to it. A Broker of Record letter is how you take them back. It’s a one-page authorization naming ClearPlan as your benefits broker, so we can pull your real numbers from the carrier and shop them on your behalf. We’ll walk you through it on our first call - it takes about a minute to sign.
Every group health plan already has broker compensation built into it. You’re paying it right now - it’s baked into your premium whether your broker earns it or not. When you name ClearPlan, that same money comes to us. Your cost doesn’t change by a dollar.
Here’s the part that should make you angry: most brokers collect that money and do almost none of the work it’s meant to pay for. No claims analysis. No real shopping. No check-ins between renewals. Just an email once a year with a bigger number. That’s the whole reason this feels broken - people aren’t doing the job they’re literally being paid to do.
We do the work that fee is supposed to pay for. All of it, and we do it well. That’s the entire difference - and it costs you nothing extra to have it.
The old model is a broker you see once a year, a renewal you can’t question, and a wait every time you have a question. We built the opposite: your numbers and answers are always in reach, and a real advisor steps in the moment a decision actually needs one.
Ask a question at 9pm and get a real answer - not a voicemail and a week of silence. Your plan, your numbers, and your options stay within reach year-round.
We translate the fine print into plain English. No jargon, no black box, no decision you don’t fully follow. Nothing about your plan stays hidden from you.
When a decision needs real judgment, you get an advisor who’s guided leadership teams through exactly these calls - by phone, by email, whenever it matters. Not a junior rep reading a script.
Technology keeps you informed. A real expert shows up the moment a decision deserves one.
We don’t compete on quotes. We compete on savings, transparency, and service.
We work best with established companies (3+ years) who’ve taken a renewal increase in the last two years and are ready to treat their health plan like the managed expense it is. We have deep playbooks for:
{{ w.body }}
Send three documents. We’ll run a full analysis and model whether a funding change would actually save you money - over the next three years, not just this one. If the numbers aren’t worth your time, we’ll email you and we won’t meet. If they are, we’ll walk you through them on a quick call - we keep things short and move fast.
{{ p.body }}
{{ f.a }}
One analysis. Your own data. No obligation. Find out what your health plan is really costing you - and what it doesn’t have to.
Takes 5 minutes to send the documents. We do the rest.
No cost, no obligation. We only meet if the numbers are worth your time.
Thanks - your demo request is ready. We’ll follow up with the three-document checklist and next steps.