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EMPLOYEE BENEFITS
Finally, Setting a Higher Standard
Many are fixated on rising costs, but few focus on the other side of the coin: declining employee satisfaction. That’s why we view employee benefits through a duo-lens, believing both can and should be addressed together. From plan design to healthcare literacy, we help employers build strategies that control costs and empower employees to feel confident in their care.
WHAT OUR SOLUTIONS ARE BUILT TO DO FOR YOU
Insurance & Talent: Redefined
Your benefits are one of your most visible investments in your team. Get proactive guidance and drive better outcomes, because when employees understand how to use their benefits, satisfaction follows.
Stay Ahead of Compliance
Compliance is everchanging, and advice isn’t enough. You get proactive support to identify and close gaps. When regulations shift, you’ll know what it means, what’s at risk, and steps to take.
Improve Long-Term Cost
Positively impact long-term cost drivers by focusing on what you can actually influence. By addressing behavior, plan design, and waste, you improve outcomes without defaulting to less.
Employee Satisfaction
When employees understand how to use their benefits, they value them more. That clarity leads to smarter healthcare decisions, higher satisfaction, and better retention.
Efficiency & Innovation
Efficiency and innovation aren’t mutually exclusive. Real-time data, smarter tech, and strategic coordination simplify the experience and surface new opportunities.
Proactive by Design
“Why am I always the one driving this?” With a clear action plan, consistent follow-through, and year-round strategy, you’ll always know what’s happening without having to push for it.
Trust That is Earned
Trust is built through action, not promises. You deserve a partner who follows through, stays steady in the storm, and leads with your best interest at the center of every decision.
SYSTEMATIC RISK MANAGEMENT
RiskMAP: Informed Moves, Not Costly Assumptions
RiskMAP™ was born from a simple truth: a well-defined problem is half-solved. But that’s not the industry norm. Why? Because doing it right takes more than good intentions. It takes disciplined focus to turn scattered inputs into clear, actionable insight. RiskMAP identifies what’s truly at risk through a client-first process: powered by people, backed by technology, and executed with the kind of precision other firms can’t scale.
RISK MANAGEMENT ACTION PLAN
Identify Risk
Understanding your workforce, culture, and goals is the most important step and it is never just a one-time conversation. RiskMAP begins with a systematic approach to identifying benefits-related risks and opportunities beyond plan design and adapts as your organization evolves.
SERVICES THAT SUPPORT, SOLVE & SIMPLIFY
If You’re Wondering, Yes—We Do That
You’re not alone in asking, “Do you handle...?” From international strategy to self-funding to compliance, we’ve been there and we’ll be there with what you need, when you need it. Our clients don’t just choose us because of the list below, but yes, we do that. And a lot more that isn’t on any list.
Data & Analytics
Clarity starts with the right data. Know what’s working, what’s not, and what to do next.
Benefits Administration
Eligibility, enrollment, and compliance handled smoothly so your team can focus forward.
Benefits Captives
Pool risk, reduce volatility. We help determine if a captive strategy aligns with your goals.
Legal & Compliance
Rules shift, risks escalate. Stay protected with expert guidance built for what’s ahead.
Total Wellbeing
Support your people beyond the basics—financial, physical, and mental health.
Self-Funding Analysis
We break down cost, risk, and tradeoffs so you know exactly what you’re stepping into.
Mergers & Acquisitions
From diligence to integration, we align benefits so transitions don’t derail your culture or costs.
Communication
Employees can’t value what they don’t understand. Connect the why, how, and what.
International Strategy
Global coverage, local nuance. We bring consistency and clarity to cross-border teams.
RETHINK YOUR PHARMACY STRATEGY
A Better Way to Manage Pharmacy Spend
Prescription costs are rising rapidly, especially in self-funded environments. With high-cost specialty medications approved at an unprecedented pace and cancer and autoimmune diagnoses on the rise, plan sponsors can’t afford a passive approach. McCloneRx flips the script. Our clients average less than 10% of total medical spend on pharmacy, without aggressive cost-shifting or limited formularies. That’s no accident. It’s the result of strategy and a deep commitment to staying on the right side of what’s happening.
IN-HOUSE SUPPORT FOR YOUR TEAM
Concierge Support, Done Right
Benefits are complex, but getting help shouldn’t be. Our concierge services give your employees direct access to answers, easing the burden on your internal team. This hands-on support doesn’t just improve the experience, it lowers costs and drives satisfaction at scale.
Complex Care Advocacy
Terminal diagnoses. Major surgeries. Unimaginable decisions. In life’s hardest moments, our complex care team steps in, guiding employees to financial, emotional, and medical resources others miss. This isn’t a hotline. It’s hands-on, human support that reflects well on you, because it comes from a place of compassion.
Medicare Guidance
Turning 65 can raise more questions than answers. Our Medicare guidance team provides employees and their spouses with clear, personalized support so they don’t have to navigate the confusion alone. It’s a meaningful benefit that reduces stress, improves costs, and reflects your commitment to care at every life stage.
Individual Health
With ICHRAs, health plan selection can feel like a maze. The benefit only works if employees see its value and feel confident navigating their options. Our in-house team turns a complex experience into a guided one, making sure every employee gets the clarity they need while maximizing the impact of your benefit dollars.
LET'S NAIL OUR PARTNERSHIP
We’re Not for Everyone—And That’s a Good Thing
You deserve a partner aligned with how you work and define success, because that’s how long-term impact is made. Here’s how to know if we’re likely to work well together.
We’re Not a Good Fit for You if You...
Are only looking for the lowest spend and aren’t concerned with employee satisfaction or experience
See benefits as a checkbox, rather than a tool to improve long-term outcomes
Prefer a hands-off relationship and don’t want visibility into strategies or what's driving cost
Aren’t interested in a more transparent, proactive, or strategic approach
We’re a Good Fit for You if You...
Want to understand what’s truly driving your costs and what you can do about it
Believe benefits should support recruitment, retention, and employee satisfaction
Value year-round support, clear communication, fresh ideas, and a proactive action plan
Expect your broker to simplify the process, create value, and challenge the status quo
WHAT IT'S LIKE TO WORK WITH US
Experience The McClone Model
If you're feeling skeptical, we get it. The old model hasn’t always delivered on its promises. That’s why we offer a no-pressure way to experience the McClone Model firsthand. We both invest time to explore alignment, because strong partnerships start with mutual clarity, not blind faith.
Meet Our Team
We start with a conversation. We ask questions to understand your structure, risks, and goals, so we can align on what matters most to your organization.
Test Drive the Model
If it makes sense to go further, we focus on a priority area and bring in the right experts to show how we approach problems and think differently.
Action Plan
We share what we found: what’s working, what’s not, and where there's room to improve. If it’s a fit, we plan next steps. If not, you still gain clarity.
KEEPING YOU ONE STEP AHEAD
Employee Benefits Resources
Knowledge is power and better outcomes start with better insight. These resources are designed to help you make confident decisions about benefits, plan design, and what’s ahead.
