Fully insured plans
Get more from your carrier plan.
You buy a plan from a carrier, and the carrier pays the claims. Snow makes sure it's the right plan, at the right price, with the right people on it.
How this plan works
One carrier, one premium.
Your company pays a monthly premium per employee, and the carrier takes on the risk of paying claims. Most smaller and growing companies start here. Rates usually go up every year, and they rarely get shopped unless someone pushes.
What Snow does
What we handle for you.
Every carrier shopped
At renewal we take your plan to multiple carriers and bring back the options side by side, instead of a single renewal letter.
Enrollment checked monthly
We match payroll to the carrier's records every month, so new hires are covered and departures come off the bill.
Invoices reconciled
Every carrier and ancillary invoice (dental, vision, life, disability) is checked line by line against payroll.
Employee issues handled
Denied claims, missing ID cards, and coverage questions go to your account lead instead of sitting in HR's inbox.
A clear renewal timeline
We start months before your renewal date, so there's time to compare options and tell employees about changes.
Know when to switch
As you grow, we'll tell you when a level-funded or self-funded plan would cost less, with the numbers to back it up.
What you see
Every renewal, and every month.
| Option | Annual premium | Change | Deductible |
|---|---|---|---|
| Current carrier renewal | $5,478,000 | +11.8% | $1,500 |
| Carrier B Recommended | $5,106,000 | +4.2% | $1,500 |
| Carrier C | $5,042,000 | +2.9% | $2,500 |
Payroll
- M. ChenHired Sep 2
- D. OkaforEmployee + 1
- S. BrooksEmployee
Carrier file
- M. ChenMissing
- D. OkaforEmployee only
- S. BrooksEmployee
Questions
Fully insured questions.
Carriers usually pay brokers a commission that's built into your premium. We'll show you that amount in writing.
We're a small company. Is that too small for Snow?
No. If you offer a group health plan, the same problems apply: renewals that don't get shopped, carrier records that drift from payroll, and invoices nobody checks.
Will switching brokers change our plan?
No. Changing brokers doesn't change your carrier, coverage, or ID cards. Anything that changes is your decision.
When should we start?
Three to four months before your renewal date gives enough time to shop every carrier. Earlier is fine too.
Renewing in the next 12 months?
Start with a pre-renewal review. You'll see where your plan dollars go, and where they shouldn't.