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How One Organization Reduced Its Healthcare Premiums

The Story

Leaders within the organization worked with a different broker that took a transactional approach to insurance and didn’t tailor benefits to their needs or implement initiatives to lower costs. It was a negative experience and premiums increased 31%.

One of McClone’s strategic risk advisors took on the challenge of helping the organization's reign in its healthcare costs and investigated multiple carriers to find the best fit. But the organization needed more than the right carrier; they needed employees to understand their roles in lowering claims and costs. After a series of all-employee meetings, they quickly realized the importance of making intelligent choices surrounding their healthcare and embraced a newly formed wellness program.

Education is key. Employees now understand the importance of not going to the emergency room for non-life-threatening conditions, where they should get prescriptions filled for best pricing, how to shop around for procedures and tests, and more.

Additionally, speakers were brought in to cover various topics to help employees make better choices every day. Employees even participated in a Couch to 5K (C25K) program that was tied to events supporting local charities, getting them out into the community and building rapport and a connection with each other.




RiskMAP Results

These types of simple initiatives resulted in thousands of dollars in savings for many individuals.

Over time, the organization’s loss ratio on healthcare dropped from 214% to just 77%, even though costs elsewhere have continued to rise. Overall expenses were lowered for employees and the organization, subsequently, morale has improved along with overall employee satisfaction. 

Organizational leaders continue to seek the guidance and expertise of their dedicated McClone team who routinely assesses their benefit programs and makes recommendations on various initiatives to help balance costs and engagement. 

“With the help of McClone, we discovered the best way to manage rising healthcare costs is for employees to take ownership of their choices and be part of the solution.”

RiskMAP: a process to uncover risks
and better position organizations for success


While all businesses are feeling the effects of rising health insurance costs, the number of claims and associated costs for one organization in Wisconsin were climbing faster than their budget could handle. The year prior to partnering with McClone, they ended the year with a 214% loss ratio, equating to a 31% increase. 


The organization needed someone to work closely with its employees and build a sustainable strategy around reducing healthcare costs. McClone conducted a RiskMap review to assess the organization’s claims history and potential risks, and developed an action plan that outlined employee initiatives, a wellness program and consumerism strategy. The goal was to help employees take control of their healthcare and create a sense of ownership and responsibility.


Meetings between McClone and the employer are held regularly to discuss initiatives, evaluate the wellness program and review the consumerism strategy. McClone provides education and resources for employees to help them understand their roles in mitigating rising insurance costs.


McClone worked with organizational leaders to get everyone on the health plan focused on reducing claims and making wellness a priority. To help, wellness plan incentives were implemented and mandatory employee meetings were set up to educate them on their substantial role in improving their health and well-being and containing costs. With time and commitment, costs came down to a manageable number that worked within budget. Because of the improved claims history and efforts on the part of the employees, they benefited from improved renewal rates over time, and the organization’s loss ratio came down significantly to 77%. 

“They provided guidance for developing and putting a strategic plan in place to manage the health and wellness benefits, and delivered amazing results.”

Secure your company’s success with your own RiskMAP™ today!

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