- Home
-
solutions -
benefits-consulting
Strategic Benefits Consulting
Benefits Built Around Your Workforce, Not a Carrier’s Catalog.
Competitive benefits are not a cost center, they are a retention strategy. Nortex Health designs comprehensive benefit programs that give your workforce meaningful coverage while giving your organization real cost control, compliance confidence, and long-term sustainability.
Schedule a Benefits Strategy Review
Our Team Helps Employers Explore
Our team helps employers explore:
-
Traditional Fully Insured Health Plans -
Self-Funded & Level-Funded Strategies -
Reference-Based Pricing (RBP) Models -
Executive & Voluntary Benefit Programs -
Section 125 & Pre-Tax Benefit Strategies -
Workforce Benefit Benchmarking & Plan Analysis
-
Employee Retention & Engagement Strategies -
Multi-State & Complex Workforce Benefit Solutions -
Cost Containment & Healthcare Optimization Strategies -
Compliance-Conscious Benefits Administration -
Open Enrollment & Employee Education Support -
Integrated Payroll, HR, & Benefits Administration Solutions
-
Employee Retention & Engagement Strategies -
Multi-State & Complex Workforce Benefit Solutions -
Cost Containment & Healthcare Optimization Strategies -
Compliance-Conscious Benefits Administration -
Open Enrollment & Employee Education Support -
Integrated Payroll, HR, & Benefits Administration Solutions
Every strategy we build starts with your workforce data, demographics, claims history, and financial objectives, not a carrier’s prepackaged plan catalog.
What Your Organization Gets
-
A benefits review built around your actual workforce data, not a carrier quote
-
A clear side-by-side comparison of your current plan against real alternatives
-
Someone who handles open enrollment communication and employee questions
-
Year-round support, not just at renewal time
-
One advisor who knows your organization and stays involved
Fully Insured Fixed Indemnity Plan
Improve Your Benefits Package Without Overhauling What You Already Have.
The Fully Insured Fixed Indemnity Plan is a supplemental insurance product underwritten by an A-Rated carrier. It is a voluntary program designed to enhance an employer’s existing benefits package; no overhaul of current coverage required.
How it works:
Employee premiums are paid on a pre-tax basis, which may reduce FICA obligations for both employers and employees beginning on Day 1 of the plan. When an enrolled employee completes one qualifying health activity per month, a claim is automatically filed on their behalf, resulting in an indemnity payment deposited directly into their paycheck.
Employee benefits include:
-
24/7/365 Telemedicine access, no co-pay or deductible -
Urgent Care and Behavioral Care access -
95% of the 200 most commonly prescribed generic maintenance medications, no copay -
Benefits extend to eligible family members -
Premiums paid on a pre-tax basis, voluntary enrollment -
Tax Advice Hotline access
Employer value:
-
Potential FICA reduction beginning Day 1 -
Benefits enhancement with no disruption to existing coverage -
Reduction in catastrophic claims through proactive health engagement -
Improved recruitment and retention
This is a Fully Insured Fixed Indemnity Plan underwritten by an A-Rated carrier. It is not a wellness plan or a tax savings plan. Participation is voluntary. Indemnity claim payments may be taxable to the employee depending on individual circumstances. Employees should consult a qualified tax or financial professional before enrolling. No financial outcome is guaranteed. This is not tax, legal, or financial advice.
Common Questions
Do we have to change our current plan to work with you?
No. We look at what you have first and figure out what actually needs to change. Sometimes a few adjustments create most of the savings. We’re not going to blow up something that’s working.
How long does a benefits review take?
No. We look at what you have first and figure out what actually needs to change. Sometimes a few adjustments create most of the savings. We’re not going to blow up something that’s working.
What is Fixed Indemnity and is it right for our team?
No. We look at what you have first and figure out what actually needs to change. Sometimes a few adjustments create most of the savings. We’re not going to blow up something that’s working.
How does Nortex Health get paid?
No. We look at what you have first and figure out what actually needs to change. Sometimes a few adjustments create most of the savings. We’re not going to blow up something that’s working.
Can you help us communicate plan changes to employees?
No. We look at what you have first and figure out what actually needs to change. Sometimes a few adjustments create most of the savings. We’re not going to blow up something that’s working.
No. We look at what you have first and figure out what actually needs to change. Sometimes a few adjustments create most of the savings. We’re not going to blow up something that’s working.
No. We look at what you have first and figure out what actually needs to change. Sometimes a few adjustments create most of the savings. We’re not going to blow up something that’s working.
No. We look at what you have first and figure out what actually needs to change. Sometimes a few adjustments create most of the savings. We’re not going to blow up something that’s working.
No. We look at what you have first and figure out what actually needs to change. Sometimes a few adjustments create most of the savings. We’re not going to blow up something that’s working.
No. We look at what you have first and figure out what actually needs to change. Sometimes a few adjustments create most of the savings. We’re not going to blow up something that’s working.
Related Services
Alternative Funding Strategies
Build an alternative funding strategy that aligns workforce needs, financial objectives, and long-term organizational growth.
Human Capital Administration
Integrate payroll, benefits, and workforce administration into a more efficient and scalable operating model.
Enterprise Cost Optimization
Identify cost-saving opportunities across healthcare, payroll, compliance, and workforce operations.
Risk & Compliance Solutions
Strengthen compliance oversight while reducing workforce, payroll, and operational risk exposure.