You run a multi-location dental group with a young, mostly healthy team, and you’re paying a fully insured premium that rewards none of it. When your hygienists and front-desk staff stay well, the carrier keeps the savings, not you. This is the playbook we run on dental groups your size: we review your plan and model a structure where a healthy group keeps its own upside.
Before we recommend anything, we read your actual numbers. On dental groups your size, the same four things show up again and again.
Hygienists, assistants, and front-desk staff skew healthy and low-claims. On a fully insured plan that profile is invisible. You pay the pooled rate, and the good year you just had goes to the carrier.
As you added chairs and locations, headcount and premium rose together, and no one ever decomposed why. The renewal letter is a number, never the claims behind it.
A healthy claims year on a fully insured plan produces a surplus. On your current structure it stays with the carrier. You never see it because the plan was never built to give it back.
You feel this line item in your own draw. It deserves to be visible and managed every quarter, not delivered as a once-a-year surprise you have 30 days to accept.
It’s late March, and the renewal is already in your inbox with a number you didn’t choose. You’ll probably click accept, because the alternative is hours you don’t have. Your team is healthy, your chairs are full, and somehow the plan costs more again, with nothing to show you why.
We built this playbook because that shouldn’t be the only move you have. You should see the claims behind that number, keep what a healthy year earns you, and know roughly where the renewal lands long before it hits your inbox.
Send us three documents you already have: your current plan summary, a census, and your last renewal. We run the analysis at no cost and tell you, honestly, whether there’s an opportunity. If there isn’t, we’ll say so.
For the right groups, a level-funded plan replaces the carrier’s black box with three transparent buckets: a claims fund, administration, and stop-loss insurance that caps your risk. You pay a fixed monthly amount, just like today.
When your group stays healthy, surplus comes back to you instead of the carrier. And you finally see exactly what’s driving your cost, every quarter, not once a year.
Your current broker holds the carrier relationship. A Broker of Record letter is simply how you put ClearPlan in that seat. It names us as your benefits broker so we can shop your plan across carriers and work on your behalf. One page, on your letterhead, reversible anytime.
How we’re paid: through the carrier, the same way your current broker is, built into a plan you’d pay for either way. No invoice from us. We only win when you do.
Send three documents you already have: your plan summary, a census, and your last renewal. We’ll run a full analysis at no cost and model whether a funding change would actually save you money. If the numbers aren’t worth your time, we’ll say so. If they are, we’ll set up a short call and move fast.
Start my free analysisYes. This playbook was built for healthy groups exactly your size. Level-funded is how a healthy small or mid-sized group stops subsidizing everyone else’s claims and starts keeping its own upside. We’ll show you the math on a group your headcount before you decide anything.
Same dentists, same doctors, same network, same cards. Only the funding behind the scenes changes. Your hygienists and front-desk team won’t notice a thing at the chair or the pharmacy.
Most groups your size do. The question worth asking: at your last renewal, did they show you the claims data and model a funding alternative, or just hand you the number? A second look at your own data costs you nothing.
Good, you shouldn’t. Stop-loss caps it. Your worst-case number is defined before you ever sign, so a bad claims year can’t blow past a ceiling you already agreed to.
One analysis. Your own data. No obligation. Find out what your health plan is really costing you, and what it doesn’t have to.
Get my free cost analysisTakes 5 minutes to send the documents. We do the rest.