Monthly Archives :

January 2020

How Benefits Advisors Can Give Better Health Plans to Self-Insured Employers

How Benefits Advisors Can Give Better Health Plans to Self-Insured Employers 1004 591 Apostrophe Health

Legacy insurance plans are working against American workers, and it’s costing them trillions.

As a health benefits advisor, we don’t have to tell you how broken the U.S. healthcare system is. You’re deep in this world just like us. You can see the costly pain points affecting your clients and their employees every single day. You have to know they’re sick of it all. 

Aren’t you?

Premiums and deductibles keep increasing (more than 250% since 2006) and yet, wages are stagnant. Employers rightfully anticipate double-digit increases to their benefit plans every single year; benefits for their employees that just keep getting worse. And overall, the U.S. healthcare industry wastes a trillion dollars every year. That’s $1,000,000,000,000 on unnecessary treatment, low-value care, pricing failures, fraud and abuse. 

It all stems from the legacy insurance plans that brokers keep selling and employers keep buying because they don’t know how much control they actually have in this situation. You can give them back that control.

Take 2 minutes to watch Sick of it All to understand:

  • How it all got to be so one sided
  • Where we see the opportunity to fix healthcare in America
  • Why we should work together to provide better benefits for less money to your clients

As you see, the legacy insurance industry isn’t designed to benefit consumers. It’s setup to make sure the carriers get paid and brokers get a healthy commission for selling through the same broken plans time and again. At Apostrophe, we believe in humanizing healthcare, putting people back at the center of cost, quality and experience where they belong.

That’s why we designed our health plans after the direct-purchase model that works for power players like Boeing, Lowe’s and Walmart. We made it accessible to mid-sized self-insured employers, which allows them to offer their staff benefits that actually feel like benefits. Working together with your clients, Apostrophe Intelligent Health Benefits can can give them greater savings than their current legacy provider. Doesn’t that sound a lot better than the rate increase for worse benefits you were going to share at renewals?

If so, let’s talk now and prepare you to take an entirely different health plan to your renewal meetings. 

This is How Americans Waste $1 Trillion a Year on Healthcare

This is How Americans Waste $1 Trillion a Year on Healthcare 1004 591 Apostrophe Health

Learn how the U.S. healthcare system got this bad, and how we’re fixing it for self-insured employers.

The American healthcare system wastes $1 trillion dollars every year. One Trillion. That means $1 of every $4 spent on healthcare in the U.S. could have stayed in someone’s wallet.  That someone includes your employees.

Between 2006-15, employee deductibles increased 255%. Their wages did not.

And each year, health plans increase an average of 12% for coverage that only gets worse. 

We are sick of it all. Aren’t you? 

In this 2-minute video, we explain how the system became so broken that this has become acceptable reality. In Sick of it All, you’ll learn:

  • 4 glaring problems with the current healthcare system
  • Why that puts an unfair burden on American consumers
  • How YOU can save 20% or more on your health plan in year one

There’s this sort of cycle that self-insured employers and benefits advisors find themselves stuck in, and it only perpetuates the problem:

  • Employers need great benefits for their employees that won’t tank the bottom line.

  • Advisors keep showing up with the same broken legacy carrier model designed to put the insurance company first (and employees bearing the financial burden).

  • Employers don’t feel that they have any other options, so they sign the dotted line on the renewal form.

  • Advisors have an opportunity to do the right thing: take the commission for closing the sale, or give your employees benefits that actually feel like a benefit.

  • If you return to renewals next year facing the same increases, you’ll know which your advisor chose.

Self-insured employers have more control over price, quality and experience than they think they do. That’s where Apostrophe’s Intelligent Health Benefits come in and stop this tired system in its tracks. Working together with advisors and employers, Apostrophe provides Better Benefits for Less Money. We’ve made that possible by making accessible the self-insured model used by big players like Boeing, Lowe’s and Walmart. 

This legacy carrier system that is bankrupting Americans may have become the status quo, but it doesn’t have to stay that way. If you’re sick of it all and ready for a change, let’s get to work

Humanizing Healthcare: Health Benefits That Actually Feel Like a Benefit

Humanizing Healthcare: Health Benefits That Actually Feel Like a Benefit 6286 4480 Apostrophe Health

For self-insured employers, it is possible to provide your staff with better benefits for less money. Just treat people…like humans

America’s healthcare system is broken. And the hard-working people you employ are the ones paying for it. From where we sit, people were removed from the healthcare equation and replaced by third-party payers and misaligned incentives. What we got in return were ill-informed consumers going broke to pay for healthcare that keeps getting worse. It all contributes to nearly 20% of the United State’s GDP, and racked up a $556 million healthcare lobbying bill in 2018. 

This serves no one. The lobbyists are winning. Legacy health insurance companies are winning. Where are you and your employees supposed to come out ahead in all of this? If you maintain the way things have been…you don’t.

We know that changing health plans is scary. The cost of doing nothing is far scarier than upgrading to benefits that actually feel like benefits. Under Apostrophe’s Intelligent Health Benefits, employers see substantial savings your company will see in its bottom line, and your employees will notice in their bank accounts. Those numbers are hard to ignore when you consider most health plans increase by an average of 10-12% each year.


We’ve seen this come to light for so many of our members. One, in particular, stands out. 

Last year, a Wisconsin member was earning $7.50 per hour, and had been paying full out-of-pocket expenses for her family’s healthcare needs for years. Then the company switched its health plan to Apostrophe, giving her access to our Member Care team. By working together to make smart choices, we helped her reduce out-of-pocket expenses to $0 for the year! She walked into the CEO’s office…and hugged him! Because of the thousands of dollars she saved, her family was able to take their first vacation. 


Apostrophe Health took on this mismanaged healthcare system by putting simplicity, transparency and love at the center of everything we do. It’s a hard departure from the established rules legacy health insurance providers use to take advantage of their own customers. 

Our members access quality care, market-leading support from the Member Care team and realize tremendous savings through smart shopper options, all at a price that is often less than they paid under the legacy model.

Apostrophe Intelligent Health Benefits were informed by the best practices of the direct-purchase model refined by big players like Boeing, Walmart and Lowe’s. We’ve made this model accessible to self-insured employers who are ready to take back control of cost, experience and quality.

Watch our short Humanizing Healthcare video and then ask your broker about Apostrophe. You’ll learn a little more about how we simplified billing, why it’s important to treat humans like humans and hear a few more Member Care success stories.