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Innovation is at the heart of our success. We are constantly pushing the envelope to bring to employers new ideas that help save costs, improve benefits and reduce workload.
Explore our innovative solutions in voluntary benefits, consumer-driven healthcare plans and benefits technologies.
Benefits Buffet
Benefits Buffet™ is our voluntary benefits package that allows you to supplement your current benefits program with valuable elements at no additional cost to you. And it's simple for you to manage. Employees make their selections on one custom enrollment form. We send you a single, consolidated premium statement at the end of each month. This unique selection includes supplemental life/AD&D, short- and long-term disability, group accident, long-term care, and vision and dental coverage.
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Direct Reimbursement
Our innovative employer sponsored self-insured reimbursement plans allow you to pay for actual care instead of insurance premiums. The plan is fully customizable, so the employer determines the levels of reimbursements and the maximums under the plan. This program can help you lower your spending and administration workload on dental/orthodontia/vision.
In addition to the cost saving potential, the Direct Reimbursement plan offers added benefits to the employees. It often may reimburse employees for a higher percentage of their expenses than a traditional dental plan. It also allows the employee to select any licensed dental service provider, and the reimbursement is not subject to the “Usual and Customary” limitations.
Here’s a sample comparison of a fully insured dental plan and Gallagher Reppond’s Direct Reimbursement plan:
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Two Routine Cleanings @ $110 Each |
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Traditional Dental Plan
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Direct Reimbursement Plan
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100% of preventive care: $220 |
100% of the first $200: $200 |
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Traditional Dental Plan
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Direct Reimbursement Plan
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50% of major care: $400 |
80% of the first $400: $320
50% of the remainder*: $200 |
| Insurance Pays: $620 |
Plan Pays: $720 |
| Employee Pays: $400 |
Employee Pays: $300 |
*Up to a designated annual maximum, e.g. $1,500
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