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take out the annual "juggle".

group insurance consulting


Do you have an “open wound” in your budgeting process every year while you wait for your dreaded health insurance renewal?  Are you tired of the annual “juggle” of your health insurance costs where you either pay more, change carriers and plans, limit coverage, shift costs to your employees, or a combination thereof?

none of these are long-term solutions!

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our 5-step process
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intellicents has a 5-step process for gaining control of your organization’s health insurance costs.

step one

accept these undeniable truths

Health insurance is extremely frustrating for most employers. For many, it is their LEAST favorite thing to work on. But it is your most-used benefit by your employees and their families! Understanding how it works can point you in a direction for long-term solutions.

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step two

put your team together

Controlling the cost of your corporate health insurance program is actually a team effort, and the key is to understand and coordinate every teammate’s responsibility.

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step three

plan design that emphasizes consumerism

Do you want to get your employees engaged with you to fight the battle against rising health insurance costs? Put them in charge of some of the money by considering the following cost savings strategies:

step four

implement a wellness plan

The vast majority of your employees do not understand that their health, and in many cases their poor lifestyle choices, affect their health insurance premiums.  Most of your employees do not shop for high-quality, lower cost health care providers or prescription drugs. Many of your employees do not understand how taking a long-term approach to their annual health insurance choices could save them literally thousands of dollars over the next five years. Your employees desperately need not only a physical wellness program, but also financial wellness education and advice.

step five

participant advice

This is your most expensive benefit program, the cost of which is determined by your employees’ behaviors and actions.  What kind of help are you giving them?


client support services

participant education

participant advice

an intellicent service structure

to learn more

select a category

client support services


hr support

  1. allmybenefits shopping center

  2. Vendor Management

  3. HR Automation for Benefits Eligibility, Enrollment, Billing, and Administration

  4. Supporting ERISA Documents

financial support

  1. Benefit Marketing and Brokerage

  2. Vendor Negotiation

  3. Defined Contribution Approach

  4. Consumer-Driven Plan Design Strategies

  5. Network Analysis

  6. Claims Analysis

  7. Alternative Funding Strategies

  8. Private Clinic Feasibility Study

participant education

1. Participant group meetings

  • Plan specific enrollment group meetings

  • Choosing the “Right” Health Plan to Fit Your Family’s Needs and Budget

  • “Maximizing” Your HSA

  • The Cost of Poor lifestyle Choices

  • The importance of your physical wellness plan and onsite biometric testing

  • intellicents university financial wellness program

​2. allmybenefits shopping center

participant advice services

Find out how we assist the participant with the one thing they really want. Advice.

an intellicent service structure


To do this it all starts with great people, and then we complement them with progressive technology solutions – with the underlying goal of becoming your partner in delivering an employee benefits program that helps attract and retain your most valuable asset... your employees.

Your Consulting Team 

Their job is to help you build an employee benefits program that not only fits your corporate budget but makes you a great place to work.  They will assist you in defining goals, determining your funding strategy, analyzing and putting together the supporting cast of carriers / administration, developing participant education and advice campaigns to accomplish those goals, and delivering progress and benchmarking reports to you.

Your Relationship Manager

Has the same training and licenses as your consulting team, but tactically is responsible for the day-to-day execution of the strategies put together to deliver a comprehensive employee benefit program.  They typically will lead all participant education and advice efforts, plus can be your advocate for nagging or chronic issues with your carriers and administrators.  Accordingly, they also take the lead in the annual renewal process.

Personal Financial Management Team

Their job is to help your employees become financially fit, taking a more holistic approach to their overall financial situation.  Accordingly, they would typically lead any workplace financial wellness initiatives you elect to implement, including detailed financial planning for your people, and be a resource for your participants’ benefits and HSA investment questions.

Personal Financial Management Chief Investment Officer

Dedicated specifically to designing “intellicent” investment strategies for HSA utilization and holistic financial planning for your participants.

Client Services

Our dedicated internal staff for the fulfillment of required benefits information for your employees and employee education material.

Are you getting these ideas from your current broker?
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