571-619-8717

10432 Balls Ford Rd. Suite 300, Manassas, VA 20109

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The Spectrum Advantage

Savings

Smart strategies. Lower costs.
Stronger results for your business.

We were battling the annual renewal trend every year and felt helpless. Thankfully, Spectrum bailed us out. They introduced us to a new self-funded program that not only saved us 25% in premium the first year, but they also showed us how we were spending our premiums and helped us gameplan for our future. We were able to build a benefit offering we are proud of and are able to attract and retain talent like never before.

President
Government Contractor

Custom Tailored Benefits Solutions

We build solutions designed to help control medical premium costs through smarter plan design, funding strategies, and ongoing claims oversight.

  • Year-round engagement to ensure your benefit program continues to match the needs of your employees and your financial goals
  • Plan design structure strategies to maximize proper utilization by employees and eliminate unnecessary claims utilization - leading to better renewals
  • Health and wellness program initiatives
  • HSA/HRA/FSA strategies to lower cost without sacrificing benefits
  • Voluntary lines of coverage to increase benefit offerings without added company expenses

Self-Funding Expertise

Putting customers in the driver seat – Custom solutions designed for small (10-25 employees), mid (25-100 employees) and large groups (100+ employees).

  • Level funding and Pay-as-you-go Solutions
  • Stop Loss Consortiums
  • Pharmacy Benefit Manager Carveouts
  • 100% Pharmacy Rebate Pass Through
  • 100% Claims Fund Surplus Retention
  • Healthcare Advocacy

Data Driven Decisions

  • Monthly Claim Reports
  • Proactive Renewal Discussions
  • Proactive Surplus Management
  • Realizing Pharmacy Rebate Passthrough
  • Long-term Sustainable Programs
    - Decrease annual renewal trend
    - Manageable and predictable budgets

Ready to explore how we can help you maximize savings?
Contact us today for a complimentary, no-obligation benefits review.

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