You’ve all heard the definition of insanity…..to do things the same way and expecting different results. It sounds life group health insurance. Companies continue to do things the same way and are surprised every year when their premiums go up 7% - 25%. The healthcare industry has had very little change over the past 20 years. The typical insurance company does not manage claims – they process paper. They could care less about the money you are spending on your health insurance. If you spend a high percentage of your premium, then they just increase your next year’s premium by a higher percentage. If you want to have some fun, ask your insurance carrier for detailed information on your claims payouts on renewal. They will not provide it to you. Delphi Card will change all of that. We work to provide you, the employer, and your employee with all of the information that you need to effectively manage your healthcare dollars. We can reduce your healthcare dollars by 10% - 35% without changing the benefits and at the same time improve the health and well being of your employees and their family.

• Reduced healthcare costs = increased profits
  
  
• Healthier employees are more productive employees
  
  
• Healthy employees get some benefits from their healthcare dollars.
  
  
• Better cost predictability
  
  
• Have access to better information to manage your healthcare dollars
  
  
• Employees have better information to make decisions
  
  
• Employees are involved in helping to reduce costs
  
  

One of your most valuable assets in your company is the employee that works to make the product or produce the service. The typical insurance company does not have a real interest in the health and well being of your employee and his family. They are just a number. Our experience has been that an employee that is cared for by one of our health care coaches is a more productive, contributing employee. What a great way to show your employee that you care – by providing personalized healthcare to your employee and his family.

• Actively participate in the decision-making process by choosing how, when and where they receive care.
  
  
• Offset escalating health insurance premiums.
  
  
• Work together with the providers they choose to get the healthcare that’s best for them and their families.
  
  
• Learn the value of managing costs by making informed healthcare decisions.
  
  
• Receive value whether they are sick or healthy.
  
  
• Enjoy the benefits of a health savings account (HSA) which is a Medicare reform program or a Health Reimbursement Arrangement (HRA).
  
  
• Participate in a wellness program that will lead them to a healthy lifestyle.
  
  

If you fully insure your group health insurance plan complete this form for a quote on your insurance needs.

If you partially or completely self fund you group health insurance plan complete this form for a quote on your insurance needs.