Brad Vernon

Benefit Innovators, Inc.

Benefit Innovators, Inc. is a health benefits and actuarial consulting company serving the broker and consultant community as well as employers of all sizes. We strive to make the work of our clients easier through unparalleled service, leading industry knowledge and innovative solutions. Benefit Innovators provides expertise in employee benefits and group health insurance including medical, prescription drug, dental and vision. We set ourselves apart from other actuarial resources by being flexible and affordable while providing useful, actionable analyses. We provide the following consulting services to employee benefit professionals, so that they may provide their existing clients enhanced services and perhaps open the door to new opportunities. * Benefit Design and Cost Modeling * Short and Long Term Budgeting and Cost Projections * Rate and Renewal Review, including negotiation with carriers and reinsurers * Self Funded Feasibility Studies - compare fully insured, self funded and all partially insured options * HRA rate development and cost modeling of HRA/HSA/FSA design * Stop Loss Policy Review and Rate Negotiation * Self Funded Captive/cooperative program design, analysis and pricing work * COBRA Rate Development * Modeling for any other benefit decisions an employer needs to make