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Keenly has your back

We know the headaches of rising healthcare costs, compliance pressure, and keeping your team engaged. Here’s how we keep it simple.

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Personalized plan: Your customized benefits alignment plan is a roadmap to keep everyone focused and moving forward.
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Seamless implementation: Our organized approach keeps each stage on track.
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Setting you up for success: Our conversations outline expectations so you know what to count on.

Three ways to fund group health insurance 

  • Fully insured: You pay an insurance company a set monthly premium, and it pays the claims. Costs stay predictable, and your workload stays light.
  • Level funded: You pay the same amount each month. Part of it covers expected claims, part buys stop-loss coverage, and part covers administration. Stop-loss is insurance that caps what your business pays when one person’s claims, or the whole group’s claims, run very high. If claims come in low, you may get part of the surplus back. [VERIFY: surplus rules vary by state and carrier]
  • Self-funded: Your business pays employees’ claims directly as they come in, usually with a third-party administrator (a company that processes claims) and stop-loss coverage. You get the most control over plan design, and your costs move with how much care your team uses.

Not sure which fits? We model all three side by side with full pricing, so you can see the numbers before you decide

Book a meeting: Medicare

 Group health insurance services 

Keenly is here to simplify benefits, boost your compliance process, and help your business thrive with our services and solutions. We work together openly, as a partnership, so you know exactly what you are getting. 

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Plan design

Benefits design and transparency

One size does not fit all, and our plans are as unique and personal as your team of superheroes. As partners to your executive team, we design benefits programs that make you an attractive employer of choice and fit your values. With full pricing transparency, we consider all options, ranging from fully insured to level and self-funded plans, and provide strategy, plan modeling, and migration analysis to empower your decision-making. We follow it up year-round with a strategic scorecard to track the effectiveness of your HR and benefits initiatives.

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Communications

Employee communication

Our goal is to ensure your employees are always aware of their benefits and policies, and we find that collaboration creates the most personalized communication. We have a variety of tools to help craft the best communications program for your employees. Your team will be well-informed, from online benefits guides and smart employee handbooks to old-school paper benefits guides, videos, texts, and an ongoing communication calendar with materials.

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Compliance

Compliance

Driven by our commitment to meaningful healthcare and its impact on our communities, compliance plays an important role in ensuring your plan is comprehensive and equitable for your team. We work with amazing providers dedicated to benefits compliance, claims, and analytics to help you keep your benefits program in compliance and ensure your forms and documentation are accurate and timely. From automated COBRA administration and 1094/1095 reporting to Consolidated Appropriations Act (CAA) compliance, we have your back.

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HR solutions

HR solutions

Our dedication to your growth and success includes having a robust HR program to wrap around your benefits. The comprehensive HR solutions and partners we bring to the relationship will help you manage the employee lifecycle with solutions for everything from hiring to termination. You’ll be able to upskill your teams with training programs such as management, compliance, safety, and more. We’ll review your benefits administration and HRIS, making adjustments to streamline where necessary.

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Employee engagement

Employee engagement

Build a benefits-plan culture that connects and empowers your team through on-demand videos that walk employees through how their benefits work and why they matter. Link them to the portal and let them learn at their own pace while you stay ahead of questions and confusion. Check out the learning videos here:

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Frequently Asked Questions

1. What is group health insurance?

It is a medical plan your business offers to employees under one policy or arrangement. Your business and your employees usually split the monthly cost. 

2. What is the difference between fully insured, level funded, and self-funded plans?

With a fully insured plan, you pay the insurance company a set monthly premium, and it pays the claims. With a level funded plan, you also pay a set monthly amount, but part of it funds expected claims, and you may get a share of unused claim dollars back at year-end. With a self-funded plan, your business pays claims directly as they come in, so costs move with how much care your team uses. 

3. What is stop-loss insurance?

It is a separate policy that caps what your business pays when one person’s claims, or the whole group’s claims, run very high. Level-funded and self-funded plans use it so one large claim does not become a surprise bill. 

4. What does Keenly handle after we pick a plan?

We help with employee communication, COBRA administration, 1094 and 1095 reporting, and CAA compliance. We also review your HRIS and send a year-round strategic scorecard.