The Simple Path to Healthcare Savings

Welcome to the Simple Path to Reducing Healthcare Costs for self-insured companies. This is your roadmap for healthcare independence and providing your employees with better care.

Your simple path to reducing healthcare costs centers around creating a health plan option called The Direct Plan. Below are the components of the Direct Plan so that you can start saving money on your self-insured plan while providing better health benefits to your team.

Here are the core components of a successful Direct Plan:

1.   Unlimited Primary Care & Health Coaching. The power of relationships drives healthy behavioral changes.

2.  Concierge Employee Support for Specialty Services. Sometimes, we need expensive surgeries, procedures and medical tests. Having a concierge team to guide members to high-quality and low-cost options is critical.

3.  Independent, Transparent Partners. You deserve to work with partners aligned to your success from your Benefits Consultant (Bull Benefits), TPA, PBM, and Captive partners. They all need to be pillar partners in a self-insured plan.

Based on our experience, when self-insured companies adopt the Direct Plan, they can experience significant savings while providing better care. How is this possible?

 ·   Offering a broad national network is expensive and unnecessary in the Direct Plan.

·   Offering co-pays in traditional carrier network plans drives utilization, but you don't need to worry about this in the Direct Plan since it does not use a carrier network.

·   Direct Care offers more time with patients for their primary care needs (37 min average vs 7 min average) to help support a healthy lifestyle.

·   The concierge pays specialty providers cash, which saves money compared to the carrier network discount rates.

Why is Bull Benefits the only one offering this to self-insured clients if this is so great? This model takes a different type of health benefits consultant to recommend and implement. Our background is in medicine, coaching, and underwriting so our approach is creative compared to most national benefit consulting agencies. The Direct Plan requires more work to set up initially, but it is worth it.

From our experience, The Direct Plan saves 36% compared to a traditional PPO plan. How would you like to save 36% while providing better care? Results are not guaranteed, but they are possible. We can analyze your self-insured plan to see if we can unlock these savings.

Here are steps to explore if the Direct Plan is possible for your self-insured plan:

1.   Request Bull Benefits to analyze your current self-insured plan

2.   Hire Bull Benefits as your broker of record

3.   Implement the Direct Plan

4.   Experience Healthcare Savings Within 12 Months

The roadmap for healthcare independence exists. With the Direct Plan, you can provide your employees with better care and save your company from wasted dollars on healthcare costs.

Ready to make a move?

-Justin