Group medical insurance
Compare coverage, provider networks, employee costs and funding options in the context of your overall benefits strategy.
Employer benefits
A benefits program with your workforce in mind.
Group health insurance and employee benefits consulting for small, midsize and larger employers across industries.
For employers across industries
Bring coverage, cost and risk into focus.
A health plan should be evaluated in the context of your people, your business and the resources available to support it.
Go Consultants helps employers review group medical insurance and complementary benefits. We work through available options, explain important differences and help frame the decision around your organization’s priorities.
Small and midsize businesses, larger employers, educational institutions, nonprofit organizations, restaurants and hospitality businesses, and other public and private organizations can start with the same practical conversation: what is working, what needs attention and what comes next?
Group medical options
Three funding approaches.
Different responsibilities.
Go Consultants discusses fully insured, level-funded and self-funded health plans. The right comparison includes both costs and the responsibilities your organization would take on.
| Arrangement | How it generally works | What to evaluate |
|---|---|---|
| Fully insured | The employer pays a premium to an insurance company, which takes on the risk of paying covered medical claims. | Premiums and renewal terms, provider networks, plan benefits and employee contributions. |
| Level-funded | A self-funded arrangement with scheduled payments that typically combine expected claims funding, administration and stop-loss coverage. | Underwriting, employer responsibilities, stop-loss terms, renewal conditions and how any claims-fund balance is handled. |
| Self-funded | The employer takes on responsibility for funding covered claims, often with third-party administration and stop-loss coverage. | Financial risk, cash flow, administration, stop-loss limits and the capacity to oversee the arrangement. |
These are general descriptions. Contract terms vary. Level-funded and self-funded arrangements do not eliminate employer risk. Suitability depends on the organization’s circumstances, available products and applicable requirements; no funding method guarantees savings.
Employee benefits
Consider the whole program.
Complementary coverage can play an important role in an employer’s benefits offering. Review it alongside medical coverage.
Dental and vision
Evaluate benefits that complement medical coverage, including provider access, coverage limits and employee participation.
Group life insurance
Consider employer-sponsored life coverage and how it fits with the protection offered to employees and their families.
Disability and ancillary benefits
Review income-protection and supplemental benefit options, with attention to policy terms and your workforce’s needs.
Benefits consulting
Make your next plan review more useful.
Whether you are evaluating a renewal, considering a different funding arrangement or adding benefits, start by setting the questions the review needs to answer.
We help compare available choices and bring coverage, contributions and funding considerations into a clear discussion.
A review shaped around your goals
- Current plan and renewal evaluation
- Available coverage and network comparisons
- Employer and employee cost considerations
- Funding analysis and contract questions
- Ongoing benefits guidance
A practical process
Start with the program you have.
Plan for the people you serve.
Understand your program
Start with your workforce, current coverage, budget and goals for the coming plan year.
Compare the options
Evaluate benefits, funding arrangements, employee costs and the practical differences between plans.
Make a clear decision
Bring the tradeoffs into focus so decision-makers can select an appropriate direction.
Keep the conversation going
Review changes, renewal questions and the needs of your evolving benefits program.
Let’s review your benefits priorities.
Share your general needs and timing. We can discuss a focused next step for your organization.