As you know, Chelten Benefits Groupspecializes in Medical GAP insurance, serving as GA for several GAP Carriers.
 

Today, Chelten Benefits Group is offering a NEW concept in alternative health premium funding:  Fully Insured HRA’s. 

If you were reluctant to sell GAP insurance but wanted a better alternative for your clients than no commissionable “wrapping” risks,  Insured HRA’s may be the ticket for you.

Pick your “wrap” design and we can Insure it PLUS offer your client guaranteed issue, guaranteed level monthly premiums,  PLUS pay you commissions!   

TODAY’S CASE:  Recently a broker brought us a 63 person group renewal with a CB4 plan ($500 deductible 80/20 plan).  Sure, the broker could have suggested his Employer client implement a financially risky “wrap” plan.  We had a better strategy: we proposed PREMIUMSAVER: a Fully Insured HRA.  

 See for yourself.  Click here to view a pdf of our Insured HRA proposal. We changed the current plan to a $5k deductible 80/20% plan, then added a $5,500  PREMIUMSAVER INSURED HRA to mimic the current $500 deductible 80/20% plan.

The result?  We saved the client $159,044!!  It’s fully insured, pays the agent commission (see if your “wrap” does that!), levels Employer cash flow and maintains existing coverage! 

Call me and let’s discuss how fully  Insured HRA’s can replace your “wrap” plans.  

Dick Chelten, CLU, CHFC, RHU

248-464-6544

www.CheltenBenefitsGroup.com