Discover how The AGC Alternative can help your company build a better benefits package – one that benefits you and your employees.
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The AGC Alternative is a private insurance exchange that operates like an online store (think Amazon.com), making it easy for your employees to shop for health insurance and other benefits all on their own or through the help of our dedicated employee hotline. It is interactive, easily reproduced and available exclusively to AGC member companies interested in having its own insurance exchange – not only to offer a broad range of health and other insurance benefits to its employees but also to administer the benefits they select.
Discover how the AGC Alternative can help you build a better employee benefits package – one that benefits you and your employees.
Not only do competitive employee benefits programs help you reduce costly employee turnover, but AGC member firms can save even more through premium discounts on health* insurance, dental, vision, life, disability, and legal service coverage exclusively through The AGC Alternative.
*Discounts for health insurance vary by number of employees participating in your organization’s plan. Contact an AGC Alternative representative for more details.
The AGC Alternative moves companies from traditional health plans, in which the employer pays a percentage of each employee’s premium, to a defined contribution model, in which the employer pays a defined dollar amount per employee, which employees can then use to individually purchase health insurance and other benefits directly from selected carriers through the private exchange.
This enables employers to not only provide greater plan choices and benefit options for employees, but to budget a set dollar amount each year for employee benefits, eliminating the cost variables associated with employee plan selections.
In addition, The AGC Alternative includes an embedded wellness program, which helps employees stay healthy. Wellness programs have proven to be effective for managing long term premium increases by promoting and rewarding healthy choices. The program helps employees set goals and find ways to stay healthy and prevent more serious issues through healthy lifestyle coaching, for example. This can lead to improved productivity and employee retention, better employee health and morale, and can lower health-related costs for your company.
The AGC Alternative operates like an online store (think Amazon.com), making it easy for employees to shop for health insurance and other benefits all on their own. The private exchange is centered around an online decision-support process that walks employees through a brief questionnaire about their health, lifestyle and coverage preferences, and based on sophisticated statistical modeling, recommends a combination of plans based on the individual’s answers to those questions.
Employees can get immediate access to in-depth information on all of the available plans, compare different selections to the system-recommended offerings, add their selections to their personal shopping cart, purchase coverage using the dollars provided by the employer, and finally, self-enroll in each plan right online … all without burdening HR.
Backed by a dedicated employee support hotline, the AGC Alternative makes it easier than ever for HR professionals to enroll and administer benefit programs for organizations of all sizes.
For many employers, providing more than two or three health insurance plans and a full suite of other benefit programs is not a practical option due to the administrative burden or the number of covered employees (many plans require a minimum of 10 employees). The AGC Alternative’s built-in cost efficiencies and self-administered enrollment process make it possible to provide employees a greater selection of health insurance plans to best suit each individual’s needs, as well as a host of industry-leading ancillary benefit programs such as dental, vision, life, disability, and legal service coverage.
Employees can shop for and enroll in a health insurance plan via The AGC Alternative’s user-friendly, web-based technology or with the assistance of a professional insurance broker through our dedicated employee support hotline.
More options (with employee choice on how to spend their contributed dollars) mean employees are getting a benefit program tailored to meet their needs rather than a one-or two-size fits all approach.
We’ve taken the guess-work out of whether you are providing your employees the proper coverage under the Affordable Care Act (ACA). Every plan offered through the AGC private insurance exchange meets the minimum standards of the ACA. Plus, Willis specialists are available to provide member firms additional consulting and brokerage support as needed.