Our streamlined process is divided into three phases. Days 1-10 involve comprehensive analysis of your current plan, cost breakdown review, industry benchmarking, and identification of savings opportunities. Days 11-20 focus on elite partner selection, connecting you with our vetted solution partners who provide customized proposals and cost comparisons. Days 21-30 deliver final recommendations with guaranteed savings, implementation roadmaps, transition support, and ongoing monitoring setup.

Our streamlined process is divided into three phases. Days 1-10 involve comprehensive analysis of your current plan, cost breakdown review, industry benchmarking, and identification of savings opportunities. Days 11-20 focus on elite partner selection, connecting you with our vetted solution partners who provide customized proposals and cost comparisons. Days 21-30 deliver final recommendations with guaranteed savings, implementation roadmaps, transition support, and ongoing monitoring setup.

Our guarantee is based on proven methodologies and extensive experience with companies similar to yours. We conduct comprehensive audits of your current plans, identify waste and inefficiencies, and benchmark against industry standards. Our elite partner network has consistently delivered these results across hundreds of implementations. If we don't achieve the promised savings, you pay nothing for our services.

Zero deductibles are achieved through innovative plan designs that eliminate traditional insurance company profit margins and administrative inefficiencies. By working with specialized solution partners and implementing employee ownership models, we can provide superior benefits at lower total costs. This isn't magic – it's the result of removing unnecessary intermediaries and aligning incentives properly.

Smart Spend Health operates as an independent consultant, not a traditional broker. We're paid for results, not commissions from insurance companies. This means we have no financial incentive to recommend expensive plans or maintain relationships with specific carriers. Our only loyalty is to achieving your cost reduction and benefit improvement goals. Traditional brokers are paid by insurance companies and often withhold innovative solutions that might jeopardize their carrier relationships.

This three-pillar approach guides everything we do. Knowledge means understanding the full spectrum of healthcare options beyond traditional group plans. Access refers to connecting you with elite specialists and innovative solutions typically hidden from mainstream brokers. Execution involves implementing chosen solutions seamlessly within your existing organizational framework, ensuring smooth transitions and ongoing success.

Employee ownership means your workers actually own their healthcare contracts rather than being covered under employer-sponsored group plans. This provides true portability – coverage travels with employees if they change jobs, eliminating the need for COBRA. Employees gain the same control over their healthcare as they have over their bank accounts, with the ability to customize coverage based on their specific needs and preferences.

COBRA exists because employers own traditional health insurance contracts, requiring continuation coverage when employees leave. When employees own their coverage directly, they maintain their plans regardless of employment status. This eliminates COBRA administrative burdens for employers and provides superior continuity for employees.

Yes, we focus specifically on blue-collar industries including manufacturing and construction. These sectors face unique challenges including aging workforces, physical job requirements, tight margins, and traditional group plan limitations. Our solutions are designed to address these specific industry needs while providing superior benefits for blue-collar workers.

We primarily serve companies with 100-5000 employees. This size range allows for meaningful cost savings while maintaining the flexibility needed for innovative solutions. Smaller companies may not achieve sufficient scale for maximum savings, while larger companies often have more complex requirements that extend beyond our 30-day timeline.