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.
When was the last time your insurer shared profits with you?
With ASO, any premiums advanced that exceeds claims and fees belong to you.
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.
Complete this form to obtain an ASO quote
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