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It's not a healthcare problem it's a financial problem.  We work with financial advisors and employers to help employees gain financial footing and savings.

Problem for Healthcare and Savings

Expense and Uncertainty

Medical underwriting provides level of global certainty; Population Health provides the next level; specific certainty. 

Our health plan at 100% provides Financial Certainty!

Increase investments or alleviate debt!

Healthcare costs dominate debt and savings 
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Rising healthcare costs have accelerated wiht an annual increase of 9% per year for the last 35 years.  Cost of living increase has averaged 3%.  An ever widening gap of medical cost vs income has impacted employee raises and ability to save and pay debt.

The market unable to endure continued increases has shifted cost in the form of benefit erosion.  While recent premium increases fpr many have been less than 9%, health plans continue to have substantially higher deductibles, coinsurance, copays and and limited doctor access to more cost effective medical reimbursement contracts.

HIgh out of pocket costs at point of service cause enrollees to delay expensive procedures and testing.  Large medical bills create large debt creating difficult choices for child education, elder care, restrict vacation plans and may curtail savings completely.

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"In fact, medical debt is the top reason that people, regardless of age, would consider cashing in their 401(k)s or other retirement savings, TD Ameritrade found."
Financial Advisors; Do you know the consultant for your client's Health Insurance?
Health Insurnace Agents; Do you know the financial advisor for your client's 401K?


One cyber platform for healthcare and financial, math problem solved 

Financial cyber solution, one plan, one platform.

Enrollment Platform

  1. Employees enroll via secure link in High Deductible Health Plan.  Medically underwritten, employees answer health history questions.

  2. EEs voluntarily enroll in Pop Supp plan maintaining health and lowering high risk to medium and medium to low, stabilizing future premium.

  3. Employees have 100% coverage in the Cigna PPO network via Supplement plan.

Financial Platform

  1. As employee voluntarily enrolls in the Pop Supp plan the sosphisticated enrollment platform calculates taxes (For Fed, State, County and Local) and pretax purchase savings.  Platform calculates exact costs and will keep paycheck net intact.

  2. Pop Supp costs $0. (Note; if tax savings does not fully cover the cost of the POP Supp, employees will be reimbursed the balance of premium keeping paycheck intact.  Reasonable health maintenance required for continued reimbursement) 

  3. Employee now has exact figures and may consider allocating savings funds without the  uncertainty of high deductibles and medical debt.  This reduces employee stress on debt (present) and provides real numbers for savings (future).

  4. Employee may link over to Employer sponsored 401K plan or recieve help with debt consolidation.  

Consumer Centric Platform

Phone, tablet or computer links employee to all services.


  1. Links to Cigna PPO network for in network access.

  2. Links to claims and Explanation of Benefits.

  3. Links to Virtual Visits with Doctors or PAs and RNs.

  4. Links to pharmacy and formulary.

  5. Population Health link to recorded progress goals and coach.

  6. Link to 401K (separate platform) to log in and review and change investment strategies.

  7. Link to medical records.

  8. Link to doctor visits and appointments.

  9. Link to ancillary benefits, dental or worksite plans.


Level Funded plan or self funded plan provides employer with control and information.

  1. Large pretax purchase by employees of Supp and ancillary plans greatly reduces overall FICA. ($250-$900 per employee per year)

  2. Return of premium averages between 8-12% with a 100% reimbursement of excess reserves.

  3. Employees are financially stress free with this plan increasing productivity.

  4. Pop health plan makes for healthier happier employees, reducing sick time and improving business quality.

  5. One platform reduces routine HR interactions as much is now cyber self serve.

  6. Full on line access to all via one portal.

This platform establishes exact post tax employee income per paycheck.  The plan eliminates medical debt concerns. This is the perfect time to annually review 401K investments. 

Financial Advisors Action
  • Advise your clients of employee financial stress
  • Have their insurance broker contact Blue Heart.
  • Eliminate employee debt and increase investments
 Why Your Employees’ Financial Well-Being Affects Your Corporate Brand
"Financial stress is rarely an isolated phenomenon. The problems incurred by having unhealthy finances can stretch into every aspect of life, affecting physical as well as mental health.”
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