1. 231 S. Bemiston Avenue, Suite 800
healthstar Clayton, Missouri 63105
o ce: 314-995-3855 | fax: 314-219-4154
CO N S U LT I N G www.health-star.net
Small/mid-sized employers are able
Over the past decade, we have educated to accomplish the following by
implementing our program:
employers about an e ective way to manage ONLY PAY FOR MEDICAL
health bene t costs. Our methods have SERVICES MEMBERS USE
Rather than pay an in ated premium for
resulted in signi cant savings and long-term what “might” be used, only pay for what’s
“actually” used.
stabilization of costs for our clients.
2. PURCHASE THE APPROPRIATE
AMOUNT OF INSURANCE
WE ARE EXPERTS IN DESIGNING SELF-FUNDED HEALTH Insurance is purchased to only cover the cost
BENEFIT PLANS FOR SMALL/MID-SIZED EMPLOYER GROUPS. beyond a de ned risk threshold.
Most insurance brokers and agents advise employers that they are 3. PAYRETAIL
OF
WHOLESALE INSTEAD
too small to self-fund. However, our knowledge, experience, and Routine medical services and prescriptions
bottom line results prove otherwise! are paid directly by the employer at network-
discounted prices, thus eliminating the
“middleman” mark up.
Under traditional insurance policies, many small/mid-sized
employers have experienced annual double-digit premium
increases without receiving any detailed utilization data for 4. ACCESS THE SAME DOCTORS
AND HOSPITALS
their group. How can a business e ectively manage it’s costs without having this
information? 5. KNOW INOF SERVICESVOLUME
& COST
DETAIL THE
Utilization and cost reports can generally be
e reality is that using an insurance policy to purchase accessed online by the employer at any time.
everyday medical services and prescriptions is not a
MANAGE PLAN DESIGN
good use of resources and is no longer sustainable.
ese everyday services, which typically account for 80-90% of actual health care
6. e employer is able to customize most,
if not all of the plan bene t levels.
claims, include o ce visits, diagnostic tests, outpatient surgeries, prescriptions, etc.
Using an insurance policy for such services, simply adds a “premium” to the cost of 7. SIMPLE PLAN ADMINISTRATION
these items.
8. Employers pay actual cost for many services
EDUCATE EMPLOYEES
We believe insurance is meant to cover actual individual, speci c events, for which and receive reports of utilization and cost by type
employers cannot a ord to take a risk. All other medical services can be purchased of service. rough the receipt of utilization
at a cost much less than what an insurance policy would charge in premiums. reports, employers can educate their employees
on how to better their spending behaviors.
VISIT OUR WEBSITE TO LEARN MORE: WWW.HEALTH-STAR.NET
© 2010 Health Star Consulting. All rights reserved.