How it Works

The Situation:

Every time you make an employee benefit plan, coverage or service payment, you pay a manageable fee.

And you are being overcharged.

So where does that money go?

You pay administration fees & taxes.

You pay commissions & profits to brokers, agents, advisors and/or TPAs…

You pay hospitals, clinics, physicians, pharmaceuticals & other providers in the health care supply chain.

The Problem:

You think you have very little influence over these fees.

You have a direct relationship with your agent, broker, advisor or TPA.

But only a small amount of your fees go to the agent, broker, advisor or TPA.

Most of your fees go to the hospitals, clinics, physicians, pharmaceuticals & other providers in the health care supply chain.

… and you don’t believe that you have any leverage over any of these fees.

This is where we can show you that you actually do have leverage over many of these fees.

What NOT to do:

In this industry, RFPs can be a trap.

‘Most RFP efforts often fail to meet cost reduction goals, without having first completing a comprehensive analysis.

Here's why:

  • Most agents, brokers, advisors and TPAs are not incentivized to reduce costs
  • Most agents, brokers, advisors and TPAs do not want share the many cost reducing strategies available to Employers
  • Changing premiums, co-pays or deductible can be very painful for employees
  • Most agents, brokers, advisors and TPAs behave the same
  • Often, any initial savings achieved are temporary and soon overcome by hidden or “pass-through” increases

The Solution:

An Independent Audit & Analysis of Employee Benefits

Many Employers recognize that they have very little transparency of their employee benefit coverages, plans, services and costs. They know that they are over-paying, but don’t have the in-house expertise to pin-point exactly where the over-spending is happening, or how to correct and STOP it!

Pearl Logic’s forensic analysis achieves a number of key victories:

  • You will have full transparency of your employee benefit analysis
  • Your employee benefits will be optimized to the lowest possible cost
  • You will achieve all applicable cost reduction strategies
  •  We will absolutely lower your coverage and plan costs
  • This results in SUBSTANTIAL savings
  • We do no reduce coverages or increasing risk exposure, employee premiums, co-pays or deductibles
  • It’s ridiculously EASY …. Pearl Logic does all of the heavy lifting

Average Cost Reductions:

$75 - $125 per employee, per month