different advice

for a

different world

Taking back control of healthcare and taxes.

Why It's a different World for Group Healthcare

Economic dislocation has historically driven healthcare transformation.

In 2004, there were 23 national health insurance carriers. Today there are four ...and really only two in North Florida.

We think the shock of the Covid-19 pandemic will bring change to healthcare delivery for small business owners who feel like they are running a healthcare company too.

Specifically, we expect there will be a return to regional programs for small to midsized businesses. Like GM, these regional plans will leverage local hospital groups and open architecture funding to bypass the big carrier model. This puts control back in the hands of employers, patients, and doctors. The result is lower costs and higher quality care.

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2004: “General Motors is a healthcare company happens to make cars.”                                                 - Warren Buffett

2018: "GM and HF Health Systems sign a direct contract to bypass middlemen."                                         - Detroit News

Why It's a different WorlD for North florida businesses

The City employs 9,000 and its small vendors employ 9,000. ...Guess which 9,000 pay more for their health insurance?

Businesses with 10-1,000 employees have been conditioned to either accept annual rate increases or switch to the other big carrier and re-start the process. We want to show area business owners a third option.


Pool their buying power to drive quality care at an affordable cost.


North Florida's Baptist and UF Health hospitals, specialists, urgent care, and primary care can now be access directly. It's a new world for alternative funding in healthcare - and we are excited to share how it can work for your business.

Green represents family monthly premium; red are annual deductibles.

Source: coj.net and floridablue.com

Ready for some different advice?

The Benefits Department is a fee-based pension & healthcare advisor.

Take a wrecking ball to the big insurance lie. Small businesses can now join together to bypass FloridaBlue/United Healthcare and access the region's top doctors and facilities directly. The City of Jacksonville did it.


Now you can too.


Let us show you what your broker won't: How to use the City's plan design and administrators to cut costs and improve healthcare quality.

"The shame of it is, most employers don’t know they can manage their healthcare like any other supply-chain in their business. The insurance industry has conditioned us to think that their over-inflated products are the only option – and it’s simply not the case."      - Michael Smith