THE BENEFITS YOU WANT WITHOUT STARTING OVER
You do not need to rebuild everything to fix what is broken. Our services are designed to help you keep your carrier, improve coverage, and save real money while making benefits feel simple again.
FULLY INSURED PLANS
LEVEL FUNDED PLANS
SELF-FUNDED PLANS
BETTER BENEFITS WITHOUT THE CHAOS
Most employers think improving benefits means blowing everything up and starting again. It does not. You can keep your carrier, keep your doctors, and still save real money. Our job is to make your benefits plan work for you instead of against you.
Below are the ways we help employers finally take control.
FULLY INSURED PLANS
Sometimes the simplest path is the smartest one. If you like the comfort of a predictable bill each month, but you do not love sky-high deductibles or shrinking coverage, this is where we start.
Fully insured does not have to mean locked in or limited. With the right structure, you can give your employees better coverage, eliminate their deductible, and save an average of twenty percent on premiums without switching your carrier.
This lets you improve benefits without explaining a hundred changes to confused employees.
LEVEL FUNDED PLANS
For small and mid-sized employers who want predictability with the option to save more, level funding offers a middle ground. You still get the stability of fully insured coverage, but you also get visibility into claims and the ability to benefit if your group spends less than forecasted.
It is the same trusted carrier. The same doctor networks. The difference is that now you see where your money is going instead of hoping someone is telling you the truth.
If there is unused claim money at the end of the year, it goes back to you rather than disappearing into someone else’s pocket.
SELF-FUNDED PLANS
For larger employers ready for full control, self-funding is where the real leverage lives. You see every dollar. You understand every trend. You can fix waste instead of funding it.
We help design a plan that protects your risk, manages pharmacy spend, and engages employees in their own health. More than ninety percent of employees actually participate, which means the plan works because people use it, not because they avoid care.
The result is better outcomes, lower spend, and employees who feel supported rather than punished by their insurance card.
BENEFITS STRATEGY AND PLAN DESIGN
Before any change happens, we run the numbers. We audit the current structure, identify waste, compare funding models, and show you what each option means for your employees and your budget.
You do not have to guess. You get a clear side-by-side view that finally makes renewal season logical.
CONCIERGE SUPPORT AND EMPLOYEE ENABLEMENT
Even the smartest plan fails if people do not know how to use it. We handle communication, rollouts, and employee support so you are not fielding insurance questions between budget meetings.
Your team gets real humans, not a maze of phone menus. They get clarity instead of confusion. They get care instead of paperwork.
45+
Years of experience
10,000+
Employers helped
20%
Average savings
THE RESULT
✓ A benefits plan that employees understand
✓ Coverage that feels fair
✓ Costs that stop climbing for no reason
✓ A renewal meeting that feels manageable instead of painful
TALK TO A REAL PERSON ABOUT YOUR BENEFITS
Tired of guessing what your renewal is going to cost you? Let’s talk. A short conversation can reveal where your money is going and how to start saving without disrupting your team.
SEE HOW MUCH YOU’RE REALLY OVERPAYING
Run the numbers and find out what your estimated savings could be. Our no nonsense benefits savings calculator shows how much you could save without switching carriers or disrupting your employees. It takes just a few minutes and could change how you see your plan forever.
Get In Touch With Us
A short conversation could save you thousands and finally give you a benefits plan that makes sense. Stop guessing, stop overpaying, and start building a plan your employees actually appreciate.
Serving Area
Mid Atlantic
Many employers feel trapped by rising benefit costs. Cardwell Associates builds plans that save an average of 20% without changing your network, so you save money, increase benefits, and keep employees happy.
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