The second step is choosing a plan you can sustain.
We show a small set of plans with real monthly costs for the agency and the caregiver.
Compare and choose.
What Happens In This Step
We compare plans on premium, deductible, network and how much each costs at several employer contribution levels.
You choose the plan and the contribution that fit your budget.
What You Get
A side-by-side comparison in plain language and our recommendation.
You decide with the trade-offs in front of you.
What this step needs and produces.
What We Need
Your answers from step one and your preferred contribution level.
What You Get
A clear comparison and a recommended plan.
How Long
Typically completed shortly after the first conversation.
Questions on this topic.
Short answers for agency owners.
How many plans will we see?
A short list, not a catalog. Too many options slow a first decision.
Can we change our mind?
Yes, until the application is submitted.
Do you recommend one?
Yes, and we explain why.
General information, not legal or tax advice. Confirm the rules that apply to your agency with your attorney or tax advisor.
Send us your renewal.
We’ll tell you whether it looks competitive, where we see opportunity, and the five questions we’d put to your carrier. No cost, and no obligation to move anything.
The renewal letter
Your current plan summary
Contribution split by tier
Enrolled counts by tier
Four documents, two more if your group is 50 or more. Nothing else; every extra one is a reason to postpone.
An independent employee benefits consulting firm. We look at the entire benefits program — cost, plan performance, risk and administration.
Switch to CFH. Unhappy with your broker? Your employees won’t notice. You will. →
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