Lowest Renewal

Brent Heurter, President

The Employer’s 6 Step Guide:

How to Guarantee
Your Lowest Possible
Health Insurance Increase

If you’re one of the people responsible for controlling healthcare costs in your organization, you are about to be introduced to a few simple steps will result in substantial savings.

I’ve created a 6 Step Process that Guarantees Your Lowest Possible Health Insurance Increase.

This valuable information is provided at no cost or obligation, simply as a way of introducing our company to yours — and will be customized specifically for your company.

This process has been developed and fine-tuned over the past 21 years by helping hundreds of companies just like yours control, contain and reduce their health insurance costs.

My guess is that you are currently working with a broker — and you’re probably pleased with them.

So what’s different?

By simply meeting with me for twenty minutes, most companies reduce their health insurance increase by a minimum of 2 to 3% ABOVE and BEYOND what their broker is able to achieve –– simply by meeting with me.

Furthermore, these savings are achieved without the hassle of changing carriers, reducing benefits, changing plans or increasing employee costs.

Here’s a brief overview of what you will learn
when we meet for twenty minutes:

Step 1: We schedule a brief, informative in-person consultation and I’ll ask you 14 key, thought-provoking questions….

Step 2: We’ll discuss the renewal process and why carriers and brokers play games, especially when it comes to your renewal.  You’ll learn the one thing that you MUST demand from your broker when it comes to the timing of your renewal pricing, why they do it – and how to overcome the most common excuses used by brokers and carriers during this “stalling” process.

Step 3: We’ll uncover the single, biggest mistake when marketing your health insurance.  Almost every broker does this – and it’s killing your chances of for successful negotiations. You’ll learn why the insurance industry creates these incentives that work against you.  This step also helps to safeguard your company against large future healthcare increases. Without this knowledge the annual marketing process is actually hurting – not helping your company.

Step 4: I will share with you the single most effective strategy to negotiate your healthcare renewal.  Most companies lose this opportunity by not following Steps 2 and 3. This one strategy alone can reduce your renewal premiums by 2 to 3% without the hassle of changing carriers or reducing benefits.

Step 5: This step can provide the most savings at renewal, yet it’s the least understood by brokers and most likely you.  If your broker is discussing Health Savings Accounts (HSAs) and not Health Reimbursement Arrangements (HRAs), that’s your clue.  HRAs are not to be confused with Flexible Spending Arrangements (FSAs).  Confused?  You won’t be after our meeting…..

Step 6: Learn how using two carriers can reduce your healthcare costs – without reducing benefits.  This strategy is often overlooked by brokers and the savings will be significant.

Bonus Step 7:     Immediate Savings Of 2% Of Your Total Health Insurance Premiums – Starting Next Month – With The Same Plans -

And It Does NOT Matter When You Renew

In addition to all of the savings achieved above, we may uncover how your company can immediately start saving 2% of your total healthcare premiums, without having to wait until renewal. It’s actually one of the dirty little insider secrets of the insurance business – a tactic that virtually every Fortune 500 company uses.
80% of the businesses I meet with fit the criteria, and 20% do not.
My promise to you is this.

When I walk out of your office you will know how to keep every aspect of your health plans completely unchanged and still save 2% on your total health insurance premiums.  If you fit the criteria, the savings will start flowing to your company in about a month.

Bonus Step 8:     Hidden Carrier Discounts

Some carriers offer discounts of up to 4% of your health insurance premiums.  Not all companies qualify for this discount, but during our meeting we’ll examine if and how your company qualifies.

Why Am I Giving You This Valuable Information?

There is no cost or obligation.  Your only investment is a 20 minute meeting with me.  I am doing this simply as a way of introducing our company, Healthy Halo Insurance Services, to your company.  By giving you tremendous value at our first meeting, you may consider our company favorably.

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