Finally. Benefits your CFO and HR can both get excited about.
A fiduciary approach to meaningful benefits.
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Expect Something More
We advise our clients on a different and better way to make benefits financially sustainable and culturally empowering. At the core of our philosophy, we empower you to grow and adapt your benefits program with your business as your needs and your company evolve.
High Performing Renewals
How do you manage what you can’t measure? Design data driven health plans that not only control your cost long term, but meet your fiduciary obligations as well.
Simplified Administration
Human Resources teams have enough to do. Let us handle the Benefits Administration Technology, Integrations, Eligibility, Auditing, Compliance, and Employee Communications.
Empowered Employees
Employees don’t need more insurance acronyms, they need easy to access healthcare. Give your employees instant access to the advocacy and support they need with our modern communications tool.
Do you have a Broker or Consultant?
Employee benefits are the predominant source of protection for your employees and their families. The best-in-class benefit programs are designed to satisfy both the financial and human capital needs of the business.
Chief Financial Officer
Data Driven Decisions in Healthcare Costs
As a CFO, you have often been led to believe that you have little control over healthcare costs. However, with health insurance being one of the top expenses on your profit and loss statement, it's crucial to recognize that your healthcare plan likely accounts for the most significant third-party payments in your business. To gain control over these costs, you need to demystify the process by tracking every dollar spent down to the penny. Once you obtain this data, it will reveal the way forward. You've been told that "claims are the claims," but we argue that the truth is "the medical conditions of your population are the conditions." A claim is a dollar amount, and that can vary wildly. The bar has been set low while the focus of the last decade was on retirement accounts. You've realized that more dollars go into healthcare costs than into retirement, and they rise at a faster rate. You can't manage what you don't measure. Let's benchmark those costs.
Human Resources
Turning HR Insights into Impactful Benefits
As Human Resources, you have a pulse on your population unlike any other department in the organization. Using our technology, let’s engage with your employees to quantify what you already know and create a purposeful benefits program that will ensure your number one asset truly values their benefits. Let’s not design the package we think employees want, let’s design exactly what they want while also benchmarking your offering against competitors. Once we’ve designed your best-in-class benefits, let’s communicate it to them the way they want to be communicated to- in a modern and engaging way. It’s time to personalize and modernize your benefits experience with Ethos Benefits.
What is a Fiduciary?
Fiduciaries are persons or organizations that act on behalf of others and are required to put the clients’ interests ahead of their own, with a duty to preserve good faith and trust. - Investopedia
What is a Fiduciary?
Fiduciaries are persons or organizations that act on behalf of others and are required to put the clients’ interests ahead of their own, with a duty to preserve good faith and trust. - Investopedia
The Big Lie!
"There is nothing you can do about the rising costs of Healthcare."Find out why this is "the big lie" of the industry in the new documentary,"It's Not Personal, It's Just Healthcare."
Discover How Simple Changes Can Lead to Huge Savings in Healthcare Costs
See how a single negotiation transformed healthcare affordability for an employee at Kalos Services, turning a $37,594 hospital bill into zero out-of-pocket expenses. This innovative case study reveals the power of strategic negotiations and how they saved the company $31,000, while providing essential care at no cost to the employee.
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CASE STUDY
Case Study Title
Holisticly maximize technically sound value and seamless methods of empowerment. Globally reintermediate progressive expertise and holistic alignments. Assertively repurpose distributed internal or.
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HR Manager / XACT Acquisition LLC
“ I have worked with many benefits companies over the years, and I can honestly say that Ethos Benefits is the only one that has been a true pleasure!”
⸺ Leslie Koontz
CFO / Kalos Services
“ Chelsea introduced our company to the concept of a self-funded health insurance plan and it saved us tens-of-thousands of dollars during our first year of implementation.”
⸺ Jim Stearns
Director of Human Resources / Florida Fine Cars
“ Our satisfaction with Chelsea Ryckis goes beyond the tangible results. It is rooted in the collaborative and positive working relationship she has fostered with our team.”
⸺ Farzin Farahmand
What’s New
2024 Advisor of the Year: Chelsea Ryckis
The 2024 Advisor of the Year will be announced at the BenefitsPRO Broker Expo, April 29 – May 1,…
Unlocking The “Magic Trifecta” For Employee Benefits: Your Health, Your Family, Your Peace Of Mind
Have you ever felt that pang of envy when you hear about the amazing benefits your friends or…
2024 Advisor of the Year: Chelsea Ryckis
The 2024 Advisor of the Year will be announced at the BenefitsPRO Broker Expo, April 29 – May 1,…