Designers: Consumer Driven Healthcare Plans

  • A Business Case for CDHP

    Does Consumer Driven Healthcare make business sense? A fair question since the discussion about affordable healthcare has been around for so long, and from a consumer's perspective does not seem to be attainable. Consumer Driven Healthcare is an ideal solution because it saves money for employers and employees as well as reduces overall healthcare costs. People will benefit within a system that promotes and rewards those who l... Read More

  • Who We Design For

    We have designed and implemented successful CDHP packages for small, medium, and large companies, churches, and non-profit organizations, that have a desire to bring the best healthcare options to their employees.

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  • What We Design

    Benefits Matrix develops Consumer Driven Healthcare Plan designs comprised of five elements - three of which are actuarial based projected financial costs for each insurance plan quoted, selection of Third Party Administrators, and employee education. This unique, consultative approach, is what sets us apart in the benefits world and why Brokers refer us.

    Our plans are efficient, cost effective, tax la... Read More

  • How We Design

    We work hard to earn your business.

    We have decades of experience in the financial services, corporate benefits, qualified plans, trusts, and retirement plan markets, but you can read our Bio’s to learn those details. Yes, we have lots of credentials… yet we never take any company’s need to improve the healthcare benefits they are offering their employees as common or typical... Read More

  • Why We Design

    To whom much is given much is required.  We have had the opportunity to experience many changes in our industry.  Changes in products, carriers, and tax laws.  These changes have brought us to an awareness of how to design the best CDHP package.  The best Consumer Driven Healthcare Plan package is not a “one size fits all” package.  We have a recipe in which the businesses needs are key ingredients that he... Read More

  • CDHP Designers

    Health insurance complexities, regulations, and the overall number of variables need to be considered when designing a health insurance package. Benefits Matrix consultants, working along with your health insurance broker, will prove to be a tremendous asset to you, the employer, and your employees.

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What We Design

Benefits Matrix develops Consumer Driven Healthcare Plan designs comprised of five elements - three of which are actuarial based projected financial costs for each insurance plan quoted, selection of Third Party Administrators, and employee education. This unique, consultative approach, is what sets us apart in the benefits world and why Brokers refer us.

Our plans are efficient, cost effective, tax law compliant, and increase awareness, empower consumers, give freedom of choice, streamline the industry, and deliver the best overall value. Through the implementation of a customized Consumer Driven Healthcare Plan, our clients have noticed improvements in morale, loyalty, and savings.

To improve anything, it is important to focus on what you can control - when it comes to Healthcare Plans we understand what business owners can control and what employees can control. As one of the nation's leading CDHP design companies, our experience tells us that employees have a better perception of their employer when they receive better healthcare benefits and more control of their own healthcare expenses. As a result of our custom designed Consumer Driven Healthcare Plans, Benefits Matrix will help improve the morale of any staff.

Morale is perception driven and perception is reality for the consumer. Employees are trusting that employers will make the effort to bring quality healthcare solutions to them. When you deliver a healthcare plan that truly is Consumer Driven, and educate the employees on how to use it so they can take advantage of the benefits, they will feel supported and you will have their loyalty. On average, only 15-20% of our clientele have to pay for medical costs out of their own pocket, while 80-85% of the employees do not pay a penny for their medical costs!

Our custom designed Consumer Driven Healthcare Plans contain actuarial based financial projections with multiple year forecasts, multiple structure options such as when are employer or employee contributions applied, rollover considerations, debit card or manual reimbursement components, how to best include or to take care of dependents and retirees. A projection is computed for every insurance plan quoted.  We present the best options derived from our conversations with employers where we determine their objectives and demographics.