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Welcome To Hettesheimer Insurance Agency, Inc.

Think Differently about Health Insurance
Established in 1967


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EMPLOYERS SHOULD BE ANGRY!

Health Care Costs Are Spiraling Out Of Control! And There Is Nothing You Can Do About It.
NON-SENSE!
I. Obamacare/ACA, MLR (Medical Loss Ratio) forces fully Insured Companies to Increase Claims in Order to Increase Dividends and Profit. MEDICAL LOSS RATIO
II. Pharmacy Managers create a mark-up or spread between the price charged and the amount paid to pharmacies. These dollars become rebates that typically go to your insurance vendor or Administrator. DOUBLE DIPPING!
III. Reference Pricing (Established by Medicare) establishes a base price or true costs = 100%. Out of network costs are typically 1,000% of Medicare. PPO's are typically set at 400%. When your network provider or insurance company negotiates a lower settlement, something below 400%, who gets the difference? Not You! TRIPLE DIPPING!
IV. When your group claims are lower than your funding, who keeps those dollars? Not You! QUADRUPLE DIPPING!
These problems are not new and we assume your Broker explained these issues.
We apply logic and common sense, solving all of these problems!
Talk to us today, we are your "Health Care Expense Reduction Experts!"

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slush puppie converted

Serviced Slush Puppie Corporation throughout all 50 states and 3 countries for over 30 years!

BEST OF CINCINNATI "COMPUTER SOFTWARE SERVICES" 3 YEARS IN A ROW!

3 awards

 

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3254 MONTANA AVE, SUITE 1001, CINCINNATI, OH 45211            513.661.7581            This email address is being protected from spambots. You need JavaScript enabled to view it.

HIAlogosmall

We are Greater Cincinnati's Health Care Expense Reduction Experts; delivering the "Best of the Best," solving employer's benefit affordability issues.

We deliver concierge service, solving healthcare and healthcare benefit needs. Our custom crafted healthcare solutions create long-term solutions. Our benefits attract and retain talent. We improve benefit satisfaction and reduce healthcare need through better health. Technology, service and innovative risk management solutions that meet the serious challenges faced in the Era of Health Care Reform.

Our mission is to assist people in achieving a better state of health. A quality lifestyle is correlated with heatlhy behavior. We design benefits plans that are customer-focused solutions, identifyin benefits need from your past 24 months of healthcare consumption. We are recognized as an independent strategic partner.