Construction

Challenge:
1,000+ employee construction company in multiple states. They historically viewed health insurance as a commodity, with no ability to control costs, but had an objective to provide competitive benefits and increase enrollment. Provider network discounts were poor and a lack of integration was creating problems.

Solution:

Completed a provider network analysis that revealed significant savings. Moved their self-funded plan to an integrated, modern solution with better network discounts. Added a Garner Health solution that eliminated medical deductible costs for employees using Garner recommended doctors.

Impact:

Evolved over time to nearly 75% of participants in high performance networks yielding additional savings. No reduction in benefits for 10+ years. Fixed costs were lower in 2024 than in 2015. $12.7 million total savings over annual trend since 2015. Competitive employee contribution cost with net $0 deductible if utilize Garner recommended doctors. Those enrolled in medical automatically receive dental insurance and telemedicine at no additional cost. EAP includes 6 free sessions and an on-site counselor. Included bilingual one-on-one enrollment services for OE and new hires.