Health Care Costs Are Spiraling Out Of Control! And There Is Nothing You Can Do About It.

I. Obamacare/ACA, MLR (Medical Loss Ratio) forces fully Insured Companies to Increase Claims in Order to Increase Dividends and Profit. MEDICAL LOSS RATIO

II. Pharmacy Managers create a mark-up or spread between the price charged and the amount paid to pharmacies. These dollars become rebates that typically go to your insurance vendor or Administrator. DOUBLE DIPPING!

III. Reference Pricing (Established by Medicare) establishes a base price or true costs = 100%. Out of network costs are typically 1,000% of Medicare. PPO's are typically set at 400%. When your network provider or insurance company negotiates a lower settlement, something below 400%, who gets the difference? Not You! TRIPLE DIPPING!

IV. When your group claims are lower than your funding, who keeps those dollars? Not You! QUADRUPLE DIPPING!


These problems are not new and we assume your Broker explained these issues.

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Level Funding

The most efficient, safe and effective approach to move from a Fully-Insured plan to a Self-Insured plan is with Level-Funding. A Level-Funded solution is still insured. There are many contractual and performance differences with Level-Funded Solutions. You must carefully vet your choices. We offer only the "Best of the Best." 

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Self-Insured solutions provide the employer the opportunity to have the lowest healthcare cost. However, all plans are not created equal. Critical Cost Containment strategies have to be implemented, and again, they are not created equal. We vet all TPAs and Cost Containment Solutions assuring that you have the "Best of the Best."

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Administrative Services Only with superior Cost Containment Strategies. Reduce operational costs, increase engagement, meet ACA regulatory compliance, manage complex benefit plans from single source login, privacy mandates, manage payroll deduction & requirements & get ahead of Healthcare Reform Compliance! 

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Privacy Policy

Protecting your private information is our priority. This Statement of Privacy applies to the and Group Benefits Experts and governs data collection and usage. For the purposes of this Privacy Policy, unless otherwise noted, all references to Group Benefits Experts include The Group Benefits Experts website is a news and information site. By using the Group Benefits Experts website, you consent to the data practices described in this statement.

TRUSTe Privacy Program

Group Benefits Experts is a licensee of the TRUSTe Privacy Program. TRUSTe is an independent organization whose mission is to build users' trust and confidence in the Internet by promoting the use of fair information practices. Because we want to demonstrate our commitment to your privacy, we have agreed to disclose our information practices and have our privacy practices reviewed for compliance by TRUSTe.

If you have questions or concerns regarding this policy, you should first contact us at This email address is being protected from spambots. You need JavaScript enabled to view it.. If you do not receive acknowledgement of your inquiry or your inquiry has not been satisfactorily addressed, you should contact TRUSTe at TRUSTe may serve as a liaison with us to resolve your concerns.

Collection of your Personal Information

Group Benefits Experts may collect personally identifiable information, such as your name. We may gather additional personal or non-personal information in the future.

Information about your computer hardware and software may be automatically collected by Group Benefits Experts. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the Group Benefits Experts website.

Group Benefits Experts encourages you to review the privacy statements of websites you choose to link to from Group Benefits Experts so that you can understand how those websites collect, use and share your information. Group Benefits Experts is not responsible for the privacy statements or other content on websites outside of the Group Benefits Experts website.

Use of your Personal Information

Group Benefits Experts collects and uses your personal information to operate its website(s) and deliver the services you have requested.

Group Benefits Experts may also use your personally identifiable information to inform you of other products or services available from Group Benefits Experts and its affiliates. Group Benefits Experts may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered.

Group Benefits Experts does not sell, rent or lease its customer lists to third parties.

Group Benefits Experts may share data with trusted partners to help perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to Group Benefits Experts, and they are required to maintain the confidentiality of your information.

Group Benefits Experts may keep track of the websites and pages our users visit within Group Benefits Experts, in order to determine what Group Benefits Experts services are the most popular. This data is used to deliver customized content and advertising within Group Benefits Experts to customers whose behavior indicates that they are interested in a particular subject area.

Group Benefits Experts will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on Group Benefits Experts or the site; (b) protect and defend the rights or property of Group Benefits Experts; and, (c) act under exigent circumstances to protect the personal safety of users of Group Benefits Experts or the public.

Security of your Personal Information

Group Benefits Experts secures your personal information from unauthorized access, use or disclosure.

Children Under Thirteen

Group Benefits Experts does not knowingly collect personally identifiable information from children under the age of thirteen. If you are under the age of thirteen, you must ask your parent or guardian for permission to use this website.

Opt-Out & Unsubscribe

We respect your privacy and give you an opportunity to opt-out of receiving announcements of certain information. Users may opt-out of receiving any or all communications from Group Benefits Experts by contacting us here:
- Web page:
- Email: This email address is being protected from spambots. You need JavaScript enabled to view it.
- Phone: 513-661-7581

Changes to this Statement

Group Benefits Experts will occasionally update this Statement of Privacy to reflect company and customer feedback Group Benefits Experts encourages you to periodically review this Statement to be informed of how Group Benefits Experts is protecting your information.

Contact Information

Group Benefits Experts welcomes your questions or comments regarding this Statement of Privacy. If you believe Group Benefits Experts has not adhered to this Statement, please contact Group Benefits Experts at:

Group Benefits Experts
3254 Montana Ave.
Cincinnati, Ohio 45211

Email Address:
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Telephone number:

Effective as of June 09, 2015


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Contact Us

Group Benefits Experts

PO Box 531778
Cincinnati, OH 45253