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 pull your own claims data 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.
Dental staff skew healthy, exactly the profile that wins on a transparent, refundable structure. You should be rewarded for it, not pooled in with everyone else.
As you consolidate operatories, your headcount and your premium climb together, and no one shows you why. We decompose it and manage it down over years.
You feel this cost personally because it comes out of the practice. We make it visible and manageable, not a number you brace for every spring.
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 keys to your data. A Broker of Record letter is simply how you take them back. It names us as your benefits broker so we can pull your actual claims and shop your plan across carriers. 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 meet for thirty minutes.
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.