- Companies have been led to believe that yearly rising healthcare costs are something they have to accept
- They have been told that self-insuring is too risky
- They tend to believe that self-insured programs are only for large organizations
Healthcare Benefits for Groups down to 50 Employees
Cogent Advisors
Our purpose at Cogent Advisors is to help organizations improve their current & future enterprise value via several strategies, a primary one coming through our Employee Benefits Advisory Services. We accomplish this goal with our clients per the plan we outline at the outset of every relationship.
Employee Benefits
Employee Benefits
Strategic Advisory
5 Questions to Consider
- Are you looking for creative ways to free up additional capital?
- Are you absolutely sure you are getting the best plan and cost reduction options?
- Is your agent improving the current & future Enterprise Value of your organization?
- Do you feel like your current agent is fully transparent with you?
- Does your agent communicate how they earn their commission?
Is it reasonable to
Expect more?
Your employee benefits are probably one of the top three expenses for your company, so who you choose to help
control those costs matters.
How we work
- Drive current and future enterprise value
- Transparent on commission income
- Quarterly agency report cards
- Clearly documented and followed service model
- Defined & measured strategic and tactical objectives
The Solution?
Improve Current & Future Enterprise Value
What if…
Healthcare Costs
The Process
We are always working on an evolving plan structured within our D-D-I-M process. Our icon and logo were intentionally developed to illustrate that our work is always ongoing and it never ends.
Almost anyone in the country can get a benefits license to sell a group policy. Our clients deserve and demand much more. Perhaps you do too.
Proprietary Purchasing Coalitions
Unique Employee Benefits Programs: Providing organizations with the buying power of Fortune 500 companies.
Employee Benefits
Fully-Insured Healthcare: We can provide various health insurance plans for any industry.
Behavior Analytics
Health-Related Behavior Analytics: Providing transparent clarity about what is truly driving claims expense.
Strategic Advisory
Consulting: We help organizations with the development and implementation of various objectives and strategies.
Purchasing Coalitions
A Message from our CEO
As mentioned above, we accomplish the mutually agreed upon goals with our clients per the plan we outline at the outset of every relationship.
Our goal at the end of their year is always threefold;
- Help improve the enterprise value of the organization
- Earn advisory level trust with the team
- Deliver an exceptional client experience so the client’s team becomes raving fans of our team
If the information so far has resonated with you, and you believe you deserve more, then reach out to me personally or contact us via phone, email, social media, or forms on this site.
Let us show you the possibilities when we are Driven Together℠.
Cogent Advisors, we are
Driven Together℠
Cogent Advisors is an employee benefits advisory firm. I started Cogent because I realized that there was an epic problem in the employee benefits space – from the standpoint that it’s the second or third largest expense for any business regardless of where they are located, regardless of the industry that they’re in. And it’s
The Future of Healthcare for Your Business The current state of Healthcare Health Insurance has now become, on average, the second biggest expense for most employers. Business owners have been told for years that large premium increases are ‘just the way it is’, and have been trained to expect very little from their agent. Are
The Healthcare Costs Myth Fact: Your Healthcare Costs are controllable! The sad thing about the healthcare insurance industry is that organizations have been led to believe that they can’t control costs. As they grow, especially in the middle market with hundreds of employees, businesses have more control over healthcare costs than they realize. But the
Why Are Employers So Resistant to Change Health Plan Models? We are going to let you in on a big secret – your insurance carrier has probably trained you to fear the process. The insurance industry wants to have control, and they want to control the playing field. And, the insurance system has literally stacked
When does it make sense for an employer to go self-insured? It makes sense to start investigating a Self-Insured plan when a business reaches that 40 to 50-employee size. It doesn’t mean it’s the best model for every group. It means that, with that many employees, an employer should undoubtedly look into it. A good
Employee Benefits Trends for 2023 The workplace is changing rapidly, and employers are having to keep up with the times in order to stay competitive. One of the biggest changes is in employee benefits – what companies offer their workers has changed drastically over the past decade, and it’s only going to continue in 2023.
