Healthcare is one of the largest expenses facing employers. WRG examines your current program, claims experience, utilization, plan design, funding arrangement and renewal history to identify what is driving costs and where opportunities may exist. We then explain the options clearly and advocate for your organization throughout negotiation, implementation and ongoing service.
Every organization is different. Your benefits strategy should be too. WRG evaluates fully insured, level-funded, self-funded, captive and HRA strategies, along with medical, prescription, dental, vision, life and disability benefits, to develop a program aligned with your workforce, financial goals and tolerance for risk.
A significant renewal increase should not be accepted without understanding what is behind it. WRG analyzes medical and prescription claims, utilization, large claimant activity, plan design, carrier assumptions and alternative funding opportunities to determine whether a proposed renewal appears justified—and what action makes sense next.
WRG also assists individuals and families with healthcare coverage and helps seniors understand Medicare-related insurance options. We explain the choices clearly so you can make an informed decision based on your healthcare needs and budget.