Travel on the Risk Spectrum
For years, employers have been chasing lower premiums as a way to manage their healthcare insurance spend. At Cascade Valley Insurance, we change the conversation away from a traditional cost management strategy to one that assesses, identifies and controls the risks, ultimately driving costs lower.
We recognize that shifting an entrenched paradigm doesn’t happen overnight, that’s why our long-term approach helps your company travel on the Risk Spectrum at a pace that fits with your culture, needs and objectives.
Along the way, we’ll follow a process that methodically leads to a customized, inclusive program constructed to manage risk and control costs. This process will:
We recognize that shifting an entrenched paradigm doesn’t happen overnight, that’s why our long-term approach helps your company travel on the Risk Spectrum at a pace that fits with your culture, needs and objectives.
Along the way, we’ll follow a process that methodically leads to a customized, inclusive program constructed to manage risk and control costs. This process will:
Collect & Analyze DataStudies have long shown a small percentage of employees are responsible for the majority of healthcare dollars. Collecting data on and analyzing your unique employee demographic will identify at-risk employees and guide the development of targeted programs to prevent and/or manage potential liabilities.
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Design & Implement
With the knowledge generated by data analysis, we can shape a program that goes beyond a typical carrier-oriented benefits plan. This may include adopting a self-funded arrangement, implementing wellness and safety programs that encourage participation and engagement by focusing on specific employee education and incentives.
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Monitor & AdjustA successful program will take time to develop and requires consistent follow through. This involves periodically reassessing data to gauge usage as well as to identify other risk elements and adjusting the program as necessary. With continual oversight, risks can be more quickly and easily identified and managed, thereby reducing costs.
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Want to learn how to take your company from the constant struggle of benefit’s cost management to a more predictable, controllable state of risk management?
In addition to being extremely knowledgeable about the health benefits industry, Jon and Patty actually care about the quality of care and service our employees will experience with any given provider. They have a mind for the future and helped us develop a strategy to maintain quality benefits and be able to project costs so we can proactively tailor our benefit offerings to best meet our workforce needs. - Melanie C., HR Manager