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Our services are provided at no cost to our clients. We will pull the top offerings from our carriers to present you with an apples-to-apples comparison. We are then compensated by the carrier to assist with your onboarding.
"Timing was kind of perfect. We had just received our (health) renewal from our health broker showing a 15% increase. I forwarded all of our docs to SMB Benefits and they turned around a quote that cut my premiums by over 40% with a better network and benefits."
Phase 1: Hear us out
At no cost or obligation- we pool together our SMB's to obtain a "large-group" quote with National Carriers. As a large group, health carriers will underwrite based on your company's industry and the age, claims history, and location of your employees. If health carriers know the general makeup of your SMB, then they will compete for your business by offering competitive rates.
The majority of our members reduced their premiums by more than 30%.
"I don't have the time to explore all the options, and hate being pressured into something by over-eager salespeople... but 5 minutes into our call I felt like I was pitching you to work with us."
Phase 2: Obtain Documentation
Equipped with same information you'd provide to your health broker around renewal time- we'll be able to generate a "large-group" quote with your current health carrier, along w/ an apples-to-apples comparison vs. your current premiums and benefits. Nothing less than full transparency.
"I was a surprised to see that our current health carrier came in with the lowest quote. I was hesitant at first because I didn't want to have to change networks, and it turns out we didn't have to."
Phase 3: We submit to Carriers for a quote
We will submit your information to all major Carriers and ensure that the benefits and provider network quoted is on par with your current benefits.
It can take up to 2 weeks for Carriers to underwrite a group and provide a quote.
"I was expecting a higher deductible or limited network on account of the reduced savings, and was shocked to see that they matched our benefits and provided out-of-network coverage, which we didn't have before "
Step 4: Apples-to-Apples Proposal
We will present multiple options which will be displayed in a side-by-side comparison.
The bottom-line savings will be obvious, and we'll make it just as clear that your benefits; provider network, copays, deductible, are all on par with your current benefits.
We will walk you through the different options and expose any trade-offs.
"Coordinating with employees on health insurance used to be an administrative nightmare, but SMB Benefits connected directly with our employees to provide them with their own access to their dashboard, and all of their questions were addressed to our dedicated rep."
Last Step: Onboarding
Not only do we remove the hurdles to obtain a large-group offering, we also streamline employee onboarding. Employees will have credentials to access and update their information in Company portal. Your Company will also have a dedicated representative that will be in direct contact with your employees to answer any questions they have.
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SMBs are community-rated by health carriers in most states, leading to premiums that might be higher as your group subsidizes the costs for higher-risk, uninsurable groups.Alternatively, larger groups with over 100 employees are experience-rated, where premiums are based specifically on the group's demographics and claims history.
Sandbox services:
Sandbox pools you with similar SMBs (industry/age/claims) to achieve large-group status.
Health Insurance providers want your business and will offer competitive rates to obtain it.
Sandbox will negotiate with the Health Carriers to ensure you get the best they offer.
We aim to enhance your benefits; extend your network and reduce out-of-pocket expenses for employees.
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