HealthCare was formed by the principals of a North Carolina Third Party Administrator (TPA), Employee Benefit Systems, Inc. A TPA operates in the same fashion as an insurance company, only at a more proficient level. A TPA understands the reinsurance market, plan underwriting, managed care agreements, claims adjudication, and plan design. They understand how insurance companies and managed care organizations develop the rates that the consumer ultimately pays.
This background and complete understanding of the market allows the company to negotiate better rates for their clients. HealthCare 2000 has the ability to compare your plan of benefits and rates against the North Carolina and national averages. They also have the ability to look at other plan funding options, such as partially self-insured and minimum premium plans.
Must you terminate your broker relationship in order to work with HealthCare ?
No. Although HealthCare functions quite differently than an insurance broker, it would not be a conflict to continue your relationship with your broker.
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