Group Medical

Employers are looking for health insurance alternatives to help with skyrocketing medical costs and regulatory changes that have impacted their expenditures. Sinclair Risk & Financial Management works with companies of all sizes to design and implement Group Medical options that rethink the traditional way of offering benefits and meet the financial needs of employers while also addressing the choices and flexibility employees want.

In addition to providing fee-for-service, HMO, and PPO plans, we can provide you with Group Medical plans that include:

  • A partial self-funding approach that uses stop-loss insurance to cap potential losses
  • Health Savings Accounts (HSAs) that allow employees to reserve funds against future health claims and save unused funds for futures uses
  • Health Reimbursement Accounts (HRAs), consumer-directed funds contributed and managed by employers that are often available in combination with HSAs using employee funds

We’ll also look at options for you to provide fully paid coverage, high-deductible plans, or offer generous subsidies on health insurance premiums. And we have a proprietary Wellness Program that guides employees to better self management of their health risks, helps reduce costs, and improves productivity through reduced absenteeism.

Protecting your employees is important not only to their health but also to your company’s health.
Sinclair will design a health plan strategy that will work for you and your employees today and as we move forward with new health care reform changes and developments. Please give us a call at 203.265.0996, email us, or return the form on this page.