Fully Insured Coverage

Full coverage sourced to major insures with non-refundable premiums

A fully insured plan means that you are passing all of the risk onto your insurance carrier who charges you a flat monthly fee based on how they gauge the risk of insuring your employees.

If covered employees experience health issues and use the plan more, you will probably face a hefty increase in the monthly premium your business pays when your plan renews. Conversely, if your employees rarely use the insurance, you’re stuck playing a flat monthly rate no matter what. This model decreases the risk of month-to-month fluctuations but doesn’t provide any meaningful incentive for having healthy employees.

An Example of

Fully Funded Insurance Coverage

Administrative Expenses




Claims Paid


Transfer Risk and Administration For Higher Premiums

Our professional team of insurers have experience in Minnesota and Wisconsin and a strong grasp on insurance solutions that will meets your business needs and potentially save you money! Start the conversation with our team to find out more.

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There are ways you could save 30% or more on your group health insurance! Fill out the form to get the conversation started.

By completing this form you agree that a licensed insurance agent may contact you by phone or email to answer any questions you have regarding Medicare Advantage, Part-D prescriptions or Medicare Supplement plans. This is a solicitation for insurance.

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