Services We Provide


Health Plan Analysis and Consulting
Benefits Agency and Brokerage
Professional Employment Organization Consulting/Analysis and Bidding
Employee Benefits Communication, Education and Enrollment Systems

Health Plan Analysis and Consulting

We can get to the bottom of your healthcare spending dilemma. Insurance carriers know how to buy low from medical providers and sell high to employers. They are vastly profitable entities with huge overhead. The privatized healthcare financing system supports and endorses the idea of profiting off you. In almost all employer situations, the incumbent broker who sold you the product is being paid unethical backdoor bonuses called contingent compensation arrangements to steer you to their carrier of choice. To make matters worse, in fully-insured arrangements, the agent is the agent of the carrier and the carrier shields its agent from critical information related to your losses. Having an insurance license is a license to sell you a product for a commission, not a degree in healthcare finance.

 

Houston Benefit Services is different. We analyze and consult and we would prefer to work as fee based consultants rather than agents of carriers. In multiple situations, HBS has discovered that employers were being misled by their agents and the carriers related to actual spending. HBS will get to the bottom of the situation and show you where your money actually goes. We keep our carrier relationships at a distance so as not to be corrupted or negatively influenced by their tactics. For examples of our work click here.
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Full Service Benefits Agency and Brokerage

Houston Benefit Services strategically chooses to keep it's carrier relationships at a distance. We work with proven partners whom we trust to care for and service your business. We can get you the products you want and need and we can do so while maintaining control and acting in your best interest as an employer. We see health and other benefits as a means to insure your employees contribution to the business by keeping them healthy not as a means to get rich. Traditional carriers may be part of the benefits products you need, we can get you exactly the same products any brokerage can get you at the same price all of them can, but we can also design superior financing systems using the Federally mandated model of benefits deliver structured under ERISA. This model has significant strengths and weaknesses which need to be discussed as part of our consulting packages.
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Professional Employment Organization Consulting and Bidding


As an Ex-Executive Vice President of a Professional Employment Organization (PEO). Our Principal has extensive knowledge and understanding of different PEO models and pricing. Some employers need and will use a full suite of services that spans the range from payroll to advanced hiring and recruiting strategies. Other employers are looking for bare bones structures at low costs. HBS has multiple relationships with PEO's, some offer their own health plans, and others leave it up to the open market, regardless, you can be assured that you are working with a transparent and independent professional who will be acting in your best interests while looking under each vendors hood making sure that you are not overpaying. As part of our PEO consulting, again we will be transparent discussing with you how we provide service as a your partner and the different payment models that may be used to compensate us for our time.
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Employee Benefits Communication, Education and Enrollment Systems

For over 5 years, our Principal studied employee benefits communication, education and enrollment systems. . We have a full green screen studio equipped with teleprompters to record professionally delivered enrollment presentations. In addition, we produce advanced websites virtually overnight using Sharepoint technology. There is no template solution to effective communications. Every workforce is different and needs a blended strategy to help employees understand the value of their benefits packages and how to use them wisely.
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Houston Benefit Services is proud of its history in the benefits industry. No other benefits agency employs a full time private investigator to analyze and consult with you regarding your benefits plan. We believe that you will be well served to meet with us prior to your next benefits decision.

 

We are also confident that you will immediately recognize that we are different from other agencies who have not developed the disciplines we have when it comes to looking inside your vendors financial black box.

 

Houston is a unique marketplace with over 1.6 billion of new hospital investment going in to JUST WEST HOUSTON ALONE over the past 5 years. Our consulting will help your company and your employees avoid the perils of having to pay for that structure at a cost of $5500 per bed day for your employees and your dependents.

 

Please contact us for an initial consultation.

 
 
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Copyright 2012 Houston Benefit Services Inc.