Benefits By Design Case Study #2 - Expanded benefits at no extra cost

Pam Morton • February 15, 2025

Profile: Accounting and Consulting Agency


Goal: To Improve benefits without increasing the cost



How: Benefits by Design Insurance Services conducted a complimentry analysis of current benefits

How We Improved Benefits Without Increasing Employer Costs


Challenge: A company offering Kaiser medical and dental plans wanted to improve benefits without raising costs.


Our Free Benefits Analysis Led to These Improvements:


More Health Plan Choices


🔹 Replaced the
Kaiser-only plan with a small group exchange, allowing employees to choose from five different health insurance companies while keeping Kaiser as an option.
🔹 The employer’s contribution was based on a
similar Kaiser plan, leading to cost savings on medical benefits.


Better Dental Coverage at Half the Cost


🔹 Switched from a
limited-network HMO dental plan to a small group specialty benefits exchange, cutting costs by 50%.
🔹 Employees could
upgrade to a PPO dental plan with more provider options.


Expanded Benefits at No Extra Cost
🔹 The new exchange included
vision, chiropractic, acupuncture, and life insurance options—giving employees more choices while lowering employer costs.


Result: More benefits, lower costs, and happier employees!


Want a free benefits analysis for your company?


📞 Call: 415-524-8959 | 760-696-3573
📧 Email:
admin@benefitsbydesignca.com

By Pam Morton August 2, 2025
What Employers Need To Know
By Pam Morton August 2, 2025
What to consider when purchasing dental insurance
By Pam Morton July 19, 2025
Want to Save Money on your Health Insurance? Ask Pam.
By Pam Morton July 18, 2025
Are You A Small Company That Does Not Have An HR team? We can help!
By Pam Morton June 20, 2025
New And Fun Subscription Boxes
By Pam Morton June 20, 2025
Pet Peeves, Permissions and Policies
By Pam Morton June 20, 2025
Employee Benefits You Need To Consider
Discover how to fill the benefits gap and support your team-without straining your budget
By Pam Morton June 6, 2025
Enhance employee benefits by offering supplemental benefits. They can be company-paid or voluntary (employee pays for them with a payroll deduction)
By Pam Morton May 24, 2025
Researching the best coverage to go with your Medicare. Consider cost, provider access, extent of the coverage and benefits beyond Medicare.
Boost hiring and retention with tax-free HSA contributions
By Pam Morton May 24, 2025
HSAs are considered tax-advantaged for employees because contributions reduce their taxable income. This is true even if the money in the HSA account earns interest or investment returns over time. As long as the funds are used for qualified medical expenses, employees will not owe taxes when they withdraw money from their HSAs.
Show More