About Hettesheimer Insurance Agency

Clear advice. Financial discipline. Accountability you can measure.

Employee healthcare affects your operating costs, cash flow, and the people who keep your business running. At Hettesheimer Insurance Agency, Inc. (HIA), we help CFOs and business leaders understand their options in plain English, evaluate the financial tradeoffs, and build a healthcare strategy aligned with their organization’s priorities.

Incorporated in 1983, HIA is a boutique benefits agency combining decades of experience with personal attention and ongoing support. We take time to understand your business, explain the reasoning behind our recommendations, and remain involved as your plan evolves.

About D. Scott Hettesheimer

Founder of Advanced Benefit Design Institute | Architect of Healthcare 4.0™ | Creator of FiduciaHealth Governance™

Scott Hettesheimer’s commitment to fiduciary independence grew out of more than four decades inside employer healthcare—and a conviction that employers deserve to understand, control, and measure what they are paying for.

His career began in 1977. He founded the Advanced Benefit Design Institute (ABDI) in 2008 to help employers examine the financial architecture behind their health plans and develop a more accountable approach to managing healthcare.

Follow the Healthcare Dollar

Scott’s work examines how carrier and vendor economics influence employer costs: pharmacy spread pricing and rebate arrangements, administrative compensation, stop-loss financing, and brokerage incentives tied to carrier volume.

These arrangements deserve scrutiny because their financial incentives may differ from the employer’s objectives. A CFO needs to know where the money goes, which organizations benefit, and what each delivers in return.

The same scrutiny applies when insurers, pharmacy benefit managers, pharmacies, and healthcare providers operate within a common corporate enterprise. Multiple vendor names do not necessarily mean independent financial interests.

For Scott, the starting point is clear: You cannot govern what you cannot see.

Healthcare as a Governed Enterprise Expense

That principle drove the development of FiduciaHealth Governance™ Healthcare 4.0™—an employer-centered system for governing healthcare as a measurable enterprise expense.

The model begins with the employer’s healthcare dollars and examines where they go and why. It brings oversight to vendor selection, contracts, claims administration, pharmacy arrangements, care navigation, and risk financing.

Its foundation is open architecture: the ability to independently evaluate, select, and replace vendors based on cost, performance, transparency, and accountability.

The standard is 100% transparency, with plan data available promptly upon request, full disclosure of financial arrangements, and clearly defined vendor responsibilities. CFO authority over financial and plan decisions is central to the process.

Financial Discipline and Employee Care

Scott evaluates clinical and financial performance together. Lower spending must be considered alongside access to appropriate care, support for chronic conditions, employee out-of-pocket costs, and benefit satisfaction.

Each engagement begins with a Philosophy of Plan Design, establishing the employer’s financial objectives and risk framework. A corresponding Philosophy of Benefit Design aligns coverage with workforce needs and the organization’s culture.

A five-year “Crawl, Walk, Run” strategy stages implementation, establishes performance measures, and supports continued improvement. Concierge service standards help employees navigate the plan and obtain support.

Independence With Aligned Compensation

For his Healthcare 4.0™ consulting engagements, Scott accepts no carrier volume bonuses or compensation from BUCA carriers or their affiliated vendors. His performance compensation is based on 25% of documented savings, aligning that compensation with measurable employer results. If we do not identify a minimum of $40,000.00 in annual savings then our work was free.

Savings opportunities are evaluated through the Healthcare 4.0™ Executive Feasibility and Decision Analysis, using the employer’s data, existing arrangements, and implementation options.

A Clear Standard for Accountability

As Founder and Executive Editor of the Healthcare 4.0™ Thought Leadership Platform and a co-author of C-Suite Solutions, Scott helps financial leaders ask better questions and make documented healthcare decisions.

His operating principles are direct:

See the money.

Control the contracts.

Measure the results.

Hold every vendor accountable.

Before accepting another renewal increase, understand what drives your costs—and what you have the authority to change.

A Relationship That Continues After Enrollment

Implementing a health plan is the beginning of our work together. Administration, claims questions, vendor performance, and employee service concerns require attention throughout the year.

Our team coordinates those details, tracks outstanding requests, and follows through toward resolution. We also evaluate opportunities to improve your plan between renewals. You do not have to wait for renewal to begin identifying savings and planning improvements. The timing of any change depends on your contracts, funding arrangement, and implementation requirements.

A Relationship That Continues After Enrollment

Implementing a health plan is the beginning of our work together. Administration, claims questions, vendor performance, and employee service concerns require attention throughout the year.

Our team coordinates those details, tracks outstanding requests, and follows through toward resolution. We also evaluate opportunities to improve your plan between renewals. You do not have to wait for renewal to begin identifying savings and planning improvements. The timing of any change depends on your contracts, funding arrangement, and implementation requirements.

A Financial Framework for Better Benefits

We begin by developing your Philosophy of Plan Design: the objectives, financial framework, and risk tolerance that guide your healthcare strategy.

We then establish your Philosophy of Benefit Design, aligning coverage and employees’ out-of-pocket costs with the needs of your workforce, including employees managing chronic conditions. This connects financial planning with access to appropriate care and support.

Our analysis examines the root causes of healthcare spending, beginning with your administrator and its vendor relationships. We evaluate how your group uses healthcare, identify coverage needs, and assess opportunities to improve cost, access, and service.

The Hettesheimer reach

Experience Behind the Strategy

Our approach draws on the work of D. Scott Hettesheimer, whose career began in 1977. Scott is a healthcare governance consultant, founder of the Advanced Benefit Design Institute, creator of FiduciaHealth Governance™, and architect of Healthcare 4.0™.

Through FiduciaHealth Governance™ Healthcare 4.0™, our work brings together financial and clinical transparency, measurable vendor accountability, and long-term planning. We help employers understand where their healthcare dollars go and evaluate how effectively their plan serves the business and its employees.

What Sets BeManaged Apart

Fiduciary by Design

As a federally registered investment advisor, we are legally required to act in your best interest — and we built the firm around that commitment.

Fee-Only Structure

BeManaged does not accept commissions or sell insurance or annuities. Compensation comes directly from the clients we serve.

Experienced Leadership

Co-owned by Jay Jandasek and Jon Whaley, the firm continues a legacy of disciplined planning and steady guidance in West Michigan.

Credentialed Investment Oversight

Team credentials, including CFA designation, reflect a depth of analytical training and investment discipline.