Employee Benefits
Cost-Effective Solutions
Healthcare's broken, we think it's finally changing.
A groundbreaking carrier, now writing business for employers.
We don't introduce a new carrier lightly. Oxbridge Health is a genuine step forward from traditional group medical coverage, built for employers who want modern plan design, and a partner that still answers the phone.
The Problem
Group health renewals keep climbing, often 25-35% year over year while employers get less transparency, not more, about where that money actually goes.
What Oxbridge Health Does Differently
Through our partnership with Quantum Benefits, Oxbridge Health brings real pricing transparency and a true member shopping experience to group health insurance, so employers can manage healthcare spend instead of just absorbing it.
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Modern plan design — built around how people actually use healthcare today, not legacy plan structures.
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Pricing transparency — members and employers see real costs upfront, not after the claim.
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A member shopping experience — employees can compare cost and quality before they choose care.
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A partner that answers the phone — direct access to people who can actually solve problems, not a call center queue.
Review current plan design
Evaluate current contribution strategies and analyze alternatives
Periodic and planned claims experience reviews
Analyze large claim information and their effect upon costs
Analyze medical trend factors to ascertain appropriateness
Analyze stop loss/pooling charges for competitiveness and adequacy (as applicable)
Review retention (expense) components to determine competitiveness
Calculate reserve levels to ensure they are reasonable
Review policy settlements (including financial accounting for participating or dividend eligible contracts) for accuracy
Review appropriateness of current as well as alternative self-funding arrangements
Determine most advantageous rating methodology i.e., community rating, experience rating, manual rating, etc.
Help prepare annual Form 5500s including Schedule A information
Health Plan Selection, Renewal, and Customer Relationship Management
Quantum manages your health plan selection and renewal process to ensure that you contract with the most comprehensive and cost-effective providers, resulting in greater cost efficiencies and improved employee satisfaction levels. Quantum’s Consultants also act as a liaison between you and your contracted insurance carrier to ensure that you are consistently receiving the best, most accurate, and most cost-effective service. All Quantum clients are assigned a dedicated Account Manager to ensure timely, consistent and accurate information between you and the carriers. We help manage your carrier and third party relationships to ensure that they are meeting your organizations daily and ongoing needs.
Benefit Plan Marketing & Implementation
Quantum provides detailed analysis of our plan marketing research to make sure potential new carriers understand and meet your organizations benefit program goals and employee needs. Quantum will perform the following services to market & implement new benefit plans.
Prepare detailed specifications of current plans
Market plans to all potential carriers and provide true objectivity
Review and summarize all prospective carrier proposals
Provide a detailed benefit comparison
Provide Physician/Hospital disruption analysis to minimize employee dissatisfaction
Provide an illustrated financial comparison of the most effective alternatives
Compare HEDIS/NCQA quality credentials
Assist with new carrier employee enrollment meetings and carrier presentations
Prepare communication materials for employees
Negotiate performance and rate assurances from carriers when available
