CCG BENEFITS is a leading and trusted consulting firm focused primarily on health care plan design, plan implementation, plan administration, cost reductions, and cost containment.
CCG Benefits is unique in the health care benefits consulting world as we offer our clients an unrivalled two component service structure that enables full accountability.
Why Plan Consulting and Design to Fiduciary [Not Broker] Standards is so Important
When it comes to benefit plan design, CCG Benefits adheres to the CCG group core value of Fiduciary [Not Broker] Standards.
This means we see it as our duty to put your interests ahead of our own—always. This is of critical importance to employers. Why? Because so many health care plans are being designed by brokers as vehicles to maximize their commissions and minimize their work. As harsh as this sounds, it is true. As an independent fee only consulting company, we are dismayed to find companies still paying 20-40% more for their health care plans, particularly when more efficient options have been available for many years.
We are also dismayed to find brokers actively selling their clients away from the more efficient options with an array of alarmist and often patently false arguments against the option.
Why does this happen? The answer is simple. The broker involved has undisclosed bias and blatant conflicts of interest.
The broker is being compensated and rewarded by the insurance company for selling clients the most expensive option.
The more efficient plan options often drop the broker’s commission by as much as 50%. When this is understood, it is easy to see why it is essential to deal with an independent, fee-only, consulting firm that gets a paid a flat fee, by you—for minimizing your costs—and does not get paid ever increasing commissions by an insurance company for selling you the most expensive plan option.
CCG Benefits Is Free Of All Bias And Conflicts of Interest
CCG Benefits will never design or recommend a plan based on compensation received from an insurance company or any other provider.
To ensure its complete independence and to eliminate all bias and conflicts of interest, CCG Benefits operates on a flat fee only basis.
We are compensated directly by our clients for agreed services rendered.
Further, if there is ever any other form of compensation paid to CCG Benefits by a vendor for a product or service we recommend, we guarantee, by contract, to disclose such compensation and to apply it against our consulting fee.
CCG Benefits is unique in that we provide a Fee Guarantee.
You’ll never have to wonder if a recommendation is being made to you because CCG Benefits is being paid by someone else to make it.
Full Plan Implementation and Administrative Services
When the plan is designed and delivered, someone has to be responsible for the implementation and ongoing administration of the plan. CCG Benefits has proven that unless plan implementation and administrative services are provided by the health care consulting firm, the client is left with split accountabilities.
The CCG Benefits two component structure ensures that we are always fully accountable for the successful operation of our recommended plan.
Why Our Clients Stay With Us For Decades
For 38 years, CCG Benefits has been providing clients with our unrivalled two component service structure—Benefit Plan Consulting and Design to Fiduciary [Not Broker] Standards and Full Plan Implementation and Administrative Services.
As we fill both roles of "Health Care Consultant" and "Third Party Administrator,” our professional staff are able to bring many years of hands-on experience in the health field—and are directly accountable to clients.
For those clients where partial self insurance is advisable, we provide the plan design and implementation of such options. Our focus is in helping our client best choose the plan that combines good health care for their employees with controlled costs.
Effective benefit plan design and implementation, coupled with professional service and effective administration make CCG a choice that produces the most effective health benefits program.
It is for this reason that CCG Benefits has become the trusted name in health care plan consulting and why so many of our clients have remained with us for decades.