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Unlock Financial Excellence

In the world of fiscal strategy, employee benefits often emerge as a substantial line item on the profit and loss statement. Astonishingly, many leaders allocate fewer resources, attention, and strategic consultation to this critical area compared to other expenses further down the list. The outcome? Escalating costs that inevitably force organizations to curtail benefits or offload financial responsibilities onto their employees. Collaborate with us to liberate capital, enhance your bottom line, and secure a distinctive financial EDGE℠ in talent acquisition and retention.


Optimize Costs

A Strategic Approach to Cost Management

Rather than solely negotiating your initial group health plan renewal down year after year, where cost management options often entail diminishing benefits, transferring expenses to employees, or executing disruptive carrier switches, we present a different strategy. Partner with us for a multiyear health plan firmly grounded in proven strategies aimed at reducing the actual cost of healthcare while optimizing your financial position.

Ensuring Long-Term Financial Resilience

At present, you may find yourself indirectly financing the large medical claims of your competitors. Absent meticulous population risk analysis and the optimization of group pooling, your health plan might leave your organization exposed to financial risks associated with other populations. By partnering with Gurney Benefits, you can effectively mitigate this risk exposure, thereby ensuring a sustained reduction and stabilization of costs over the long term, bolstering your financial outlook.

Fostering Exceptional Financial Outcomes

Far too often, cost management translates to the erosion of employee benefits. It's noteworthy that nearly half of Americans today have less in savings than the average deductible of employer-sponsored health plans¹. Our approach is distinct. We facilitate access to top-tier healthcare and medications for your employees, often without the burden of out-of-pocket expenses. This commitment not only inspires unparalleled loyalty and retention among your workforce but also bolsters your financial performance through enhanced cost-controls. No longer will your employees face distressing choices between essentials and healthcare costs.

Frequently Asked Questions

Q: Why should I, as a CFO, prioritize employee benefits in our financial strategy? Employee benefits significantly impact your organization's financial health. They are a major expense and play a crucial role in talent retention and recruitment. Neglecting this area can result in escalating costs and decreased financial stability. By optimizing benefits, you can free up capital and secure a competitive edge in attracting and retaining top talent.

Q: How does Gurney Benefits help lower our healthcare costs without compromising quality? In the intricate landscape of healthcare, costs are frequently inflated without your organization's awareness, and the correlation between cost and quality isn't always straightforward. At Gurney Benefits, we offer a strategic solution. We specialize in the implementation of multiyear transparent health plans, enabling us to scrutinize the allocation of your healthcare budget in terms of both cost and quality. From there, we identify inefficiencies and seamlessly implement solutions while fostering a culture of informed decision-making among your employees. Our approach empowers your workforce to choose clinically objective, high-quality, and cost-efficient care by removing their cost-sharing responsibilities. In doing so, we strike a balance that optimizes both financial efficiency and healthcare quality, ensuring that your organization achieves savings without compromising the well-being of your employees.

Q: How does Gurney Benefits mitigate the financial risk posed by other populations for our health plan? When you embark on the journey of selecting a health insurance carrier, whether fully insured, level-funded, or self-funded within a captive or stop-loss consortium, you're essentially pooling your large claims risk with other organizations under the same carrier's umbrella. This means that when other health plans encounter significant medical or pharmacy claims, a portion of your premiums is allocated to subsidize those sizable claims. If you're a small or mid-market sized organization, it's usually prudent to pool your large claims risk with others, but you should be well-informed about the performance of these risk pools before making a decision. At times, brokers may promote one or two alternative funding solutions, such as a captive, based on current trends. However, this approach can potentially expose you to subsidizing a substantial portion of large claims if you lack clarity regarding the claims history of that captive or carrier's population. When we collaborate, we take a thorough approach. We gain a comprehensive understanding of your organization's specific large claims risk exposure. Additionally, we delve into the performance and cost mitigation capabilities of the risk pools we recommend you consider. This holistic assessment ensures that you make an informed decision about your large claims costs and risk exposure, ultimately leading to financial stability.

Q: How does Gurney Benefits help improve employee loyalty and retention through benefits management? Our approach focuses on providing access to top-tier healthcare and medications for employees, often with little to no out-of-pocket expenses. This commitment inspires unparalleled loyalty and retention as it eases the financial burden on employees, eliminating the need to choose between essentials and healthcare costs. This, in turn, fosters a more satisfied and dedicated workforce.

Q: How do I get started with Gurney Benefits and explore the financial advantages you offer? Initiating a partnership with Gurney Benefits is straightforward. Simply reach out to our team through our contact page, and we'll be delighted to schedule a consultation. During this consultation, we'll discuss your specific financial goals and develop a tailored strategy to turn your group health plan into a vehicle to unlock financial excellence for your organization.

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