You really want to offer employee benefits BUT ...
About The
Nunes Partners
Brandy and Leo
We are a boutique insurance agency helping individuals and businesses navigate a broken insurance system – providing solutions for health, life and retirement.
We developed a better approach that works for small business and its employees.
Available Services
Major Medical
Health Care Options
Primary Care Doctors
Dental
Vision
Life
Short Term Disability
Prescriptions
Telemedicine
Traditional Insurance
Broker Approach
Traditional brokers generally don’t use the house building metaphor but if they did, here’s how their model would look:
The Foundation
- Traditional Broker Choice: Major Medical
- Cost: Way too much
- Employees: Confused and Angry about out of pocket costs
- Employer: Doesn’t solve 99% of the problems with benefits AND is the most costly thing on the books apart from payroll.
The Walls
- Traditional Broker Choice: Dental, Vision, Life, Disability
- Cost: Varies
- Employees: Want these coverages but often have no money left to purchase w/ the cost of medical
- Employer: Spend SO MUCH on the “foundation” they have little to no left over budget for “walls”
The Roof
- Traditional Broker Choice: Most never get here. If they do it’s “voluntary insurance” with little to no actual value or strategy
- Cost: Affordable unless duplicative. Then a total waste of time & money
- Employees: Often will choose “voluntary” products over medical because they think it will cover them entirely
- Employer: Little to no value because of no strategy
With this traditional approach
- costs would increase annually
- employee out - of - pocket costs may be too high
- cracks in the foundation based on major medical insurance
Without a solid foundation, the whole house, or benefits plan, falls apart
The Benefit Doctor Approach
The Benefit Doctor brokers begin with the exact per - employee budget in mind. Next, we consider paycheck or voluntary insurance the foundation for the house , flipping the script on the traditional approach
The Foundation
- BenDoc Choice: Employee Paycheck Protection Cost: Extremely affordable
- Cost: Affordable
- Employees: What is absolutely most important to them?
- Employer: Transfers the liability & risk from accidents & illness to a simple insurance program that will actually benefit employee when needed
The Wall
- BenDoc Broker Choice: Direct Primary Care, RX, Dental, Vision, Life
- Cost: Affordable
- Employees: LOVE that the ‘everyday’ stuff is covered without massive out-of-pocket expenses like deductibles and co-pays
- Employer: Already has significantly better benefits for a fraction of what most small business spend on benefits… and we still have more to offer!
The Roof
- BenDoc Broker Choice: Major Medical / Health-Share
- Cost: Varies depending on choices
- Employees: Need and want peace of mind that “major” life events will be covered
- Employer: Their minds BLOW UP. Can’t believe the amount of headaches, stress and dollars this approach saves them. Becomes a raving fan of The Benefit Doctor and wonders why more brokers don’t ‘borrow’ our approach and serve their clients this way.
The Benefit Doctor Protects You !
- adds a layer of protection by always working within your budget for benefits, called a Direct Contribution Plan or DCP
- We’ll propose a plan for you that meets your budget and comes together to build a solid house for a pain-free benefits solution
Resources
Other videos of interest that will help you understand the benefits we can put together for you & your staff to make a comprehensive benefit plan:
Sedera
an innovative outside the box affordable Health Care Option
For the bigger things that happen in life: Hospital stays, ER visits, major situations, etc.
Direct Primary Care For Business
Connect this with one of our Direct Primary Cares we partner with, that take care of 80-90% of everything that happens to you on a daily basis like: Colds, Flu, Broken Bones, Stitches, Burns, etc. up to but not including life threatening events at an affordable rate!
Direct Primary Care for Businesses
Direct Primary Care Explained!
Services
Major Medical Insurance
Lastly we finish your package with the roof. This finishing piece of your benefits package would be your catastrophic health care coverage. This major medical option would help to protect your employees should they be diagnosed with a serious medical condition such as cancer.
Direct Primary Care Insurance
Your walls that build upon that foundation must be carefully considered and encompass the health insurance programs that cover preventive health, wellness and the treatment of common illnesses like colds and the flu.
Disability Insurance
Without the proper foundation, you cannot build a proper health insurance package. This is why we begin with laying the appropriate foundation starting with your employees’ disability insurance options. Our offerings provide short and long term disability that will replace your employee’s income should a disability or illness prevent them from returning to work for a lengthy period of time.
Clever RX
As an added bonus to your employees we have partnered with Clever RX to provide them with a complimentary prescription discount program that offers up to 70% off prescription medications from popular retail pharmacies.
The Benefit Doctor works with you to strategically build from the bottom up a customized health care insurance plan for your employees. Unlike other firms that throw together generic packages that they offer to various companies, we are committed to partnering with you to develop a plan that works for your company. We also communicate in an intentional and straightforward manner.
Testimonials
Co-Founder, Evolve Enterprises Read More
Give The Benefit Doctor a chance. Being able to offer benefits to all of our employees makes people want to come work for us, it gives them an incentive. It makes a world of difference for our business. So just try it!
President & Owner, Business Furniture Systems Read More
Just give The Benefit Doctor a few minutes of your time. It really is a viable option to save you money and to give your employees the very best health care that there is. You will not regret it.
Proud Member of The Benefit Doctor Read More
was so impressed with The Benefit Doctors fresh approach and heart to truly serve their clients that I joined the team as a Benefit Doctor! I’ve been a licensed agent with another company for nearly a decade and grew so tired of the “profits over people” approach. Give us a try! I can guarantee you’ll be as impressed as I am!
My Virtual Admin Read More
As an insurance agency back office support company, we have been going mad over the way traditional brokers still try to place benefits as though we are living in the 90’s. Business owners and employees are being absolutely CRUSHED with terrible coverage and extremely high costs… most firms: “Sorry, that’s just the way it is…”
Not at The Benefit Doctor. When they helped me understand how they design benefit packages with our needs and budget in mind, they brought me solutions instead of excuses. My only regret: We should have switched to The Benefit Doctor years ago!
I Private Pilot Read More
Very Simple. FAR better coverage. Spending less money. WIN.
Previous
Next
Your Next Step
Foundation starts with the right contractor. For your small business or employer group, The Benefit Doctor offers benefit package solutions that begin with your budget, are built with a solid foundation, walls and a roof, and end with a well-built structure that will work for you and your employees.
