Understanding the financial risks associated with your benefit plans and having the appropriate data to make sound business decisions is critical to your success.

How does your organization answer these questions today?

• Is the renewal we have received from our carrier fair?
• Is a consumer-driven health plan right for our organization?
• Should we consider self funding?
• How do we determine the appropriate individual stop loss level?
• Are the benefit plan design changes given proper discounts by the carrier?
• What is driving our medical and prescription drug costs?
• What is the projected out-of-pocket impact to our employees of a plan design change?
• What are the unique risk factors of our employee population and how do they impact our costs?
• How do our benefits, premiums and contribution level stack up against our peers?

Scott is uniquely positioned to help you answer these questions and more. Our partnership with one of the country's largest and most respected actuarial consulting firms provides our clients with access to data and proprietary actuarial models that provide insight into their unique risks and opportunities for improvement. This independent third party analysis helps to validate insurance carriers' proposals and recommendations and provides a level of transparency previously not accessible by most mid-market businesses. Additionally, the Scott Financial Risk Management Team, lead by our Healthcare Cost Strategist, is there to provide insight into the unique local and regional market conditions that can impact your plans as well as providing analysis of the specific cost drivers of your unique population.