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Fill out the form or call us direct to speak to a personal benefits advisor about health insurance for your business.
- Preferred Rates
- Annual Refunds
- Benefits Packages for Today’s Healthy Workforce
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We get the major insurance carriers to compete for your group health plan.
*National carrier availability varies by state. If you don't see your preferred carrier here, please contact us.
Refund? Refund!
Employers who make the switch enjoy:
- Improved Cash Flow
- Control Over Costs
- Individualized Plan Management
- Potential to Get Money Back Year After Year
Explore Your Health Insurance Options with BIC
How Our Program Works
Compare our revolution plans with traditional group health plans
Better Rates
Get more, pay less.
It’s really that simple.
Revolution
Your costs are based on plans you choose and the age and health risks of your own employee population. Companies with employees that fall into average or better risk categories can qualify for preferred rates.
Traditional
Roll the dice. Your rates are averaged in with assessments from employee populations of businesses in your local area. Rates are typically one size fits all.
Custom Benefits Packages
Major carriers, benefits you need, and options your employees want.
Revolution
BIC offerings are not limited by state agencies or affected by health care reform, or many provisions of The Patient Protection Act, or the Affordable Care Act (PPACA). BIC designs benefits packages based on your needs. In many cases we can incorporate a Health Savings Account (HSA) or Health Reimbursement Account (HRA) into your health benefits plan.
Traditional
You want fries with that? Great! But no substitutions, please. Your insurance carrier will present your company with a standard menu of health care packages and add-ons as everyone else. They are designed to meet government guidelines and treat everyone the same.
Control Your Costs
Remove the middle man and use actual data to make health care decisions based on the needs of your employees.
Revolution
The employer promises to pay benefits. It’s called Self-Funding. With our help, you purchase administrative services (handling the money and paperwork), and stop loss insurance to protect your plan from unexpected obligations (major illness or accident) so that you get a budget you can count on.
Regular reporting shows you where your money is being spent, so you can keep track of your actual health care costs limiting your expenses to the budget you selected.
Traditional
You pay the insurance company, they pay the benefits and keep what's left.
Little to no reporting is available.
Annual Refund
It’s your money. It’s your plan. If you don’t use all the funds, pay yourself back.
Revolution
If medical costs do not reach the annual amount budgeted, congratulations! You can collect a refund on the unused medical costs. Historically, about half of companies obtain refunds.
Traditional
Refund? What refund? Insurance companies and plan administrators are in business to make money. if there are any funds at the end of the year, you’ll never see any of it.
“Great company to work with. Love their support staff.”-Maritza D. Employee Benefits Consultant VP, MD insurance agency
Let us show you how to take control of your health care costs & coverage
Speak to an Experienced Advisor
443-264-4588With 32 years in the health insurance industry, BIC is currently the leading authority and #1 resource for self-funded group insurance plans across the Unites States. When it comes to getting the best deal on health insurance for your business, it pays to work with the best.