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  • GROUP INSURANCE
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  • BLOG
  • CONTACT
  • Français

ASO for Small Business

A.S.O. means Administrative Services Only – but we like to call it half and half insurance! An insurance company covers any catastrophic risk and the employer covers the cost of routine medical and dental expenses. A Third Party Adminstrator (TPA) helps you manage all this. Easy Peasy.

Advantages of ASO

  • Reduce insurer fees
  • Stabilize renewal costs
  • Gain control over your benefits plan
Learn More
Contact Us

    Is group insurance really insurance?

    Some parts of your benefits program cover catastrophic risks like death and disability, out of country medical emergencies and high cost specialty drugs.

    On the other hand, a large portion of your benefits program is for routine, day-to-day expenses like dental cleanings, eye glasses, and physiotherapy.

    These routine expenses can be self-insured at a much lower cost.

    I want to self-insure!

    Transparency through unbundling

    Clients save on average 22% when switching from a fully insured plan to ASO for health and dental benefits.

    An agreement An ASO agreement allows you to unbundle your group insurance policy, providing maximum transparency and control.

    • You find the most competitive providers to insure each of your catastrophic risks.

    • Become aware of the various fees included in a group insurance contract and negotiate the best terms.

    • Set your own budget for the upcoming year instead of relying on the insurer’s conservative projection of your claims.

    Book a Consultation

    Profit Sharing

    When was the last time your insurer shared profits with you?

    With ASO, any premiums advanced that exceeds claims and fees belong to you.

    Tell me more!

    More stable renewals from year to year

    The average ASO renewal represents a 2.2% increase.

    When you take the driver seat, it allows you to focus on what’s important

    • Reducing fees

    • Controlling claims that drive plan costs

    • Using surpluses to reduce volatility

    Send me a quote!

    Is ASO right for my business?

    • At least 30 employees are eligible for benefits

    • Your group experiences relatively stable claims from year to year

    • You want more control in establishing rates

    • You would like to keep any surplus generated by the plan but understand that there could also be a deficit that would need to be recovered over time.

    Get Started

    Complete this form to obtain an ASO quote

    We hate spam as much as you do. Your information will not be shared or used for any other purpose than to contact you in response to your request for quotes.
    Prefer not to complete this form? Simply give us a call toll free 1-855-929-8482 to speak to an advisor about your situation.

      Vita Assure is a full service brokerage and consulting firm specializing in employee benefits for small and medium size businesses.

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