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Group Benefits

We have saved orgs over $120M in industry overcharges while identifying coverage gaps & duplications. Let us help manage your Medical Group Benefit expenses too.

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How the process works



Documents are submitted through our website intake portal.



Risk data is processed, analyzed, and submitted to industry matching providers in the Global market.



Best in class rates, plans and policies are received and distilled from our expanded market reach.

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Easy and effective with



success rate achieved

Our CMR Database® has



plan providers & broker specialists

We service the global market, with



countries in the database

Proven Insights, Experience and Resources

PolicySmart® understands how difficult it is to obtain, implement and manage the ever-increasing medical costs whether fully funded or self-insured. The multitude of retail brokers, third-party administrators, provider networks, fee structures, insufficient loss data and hidden discounts can present daunting challenges for the C-Suite or a new business start-up.

As a non-broker/vendor outside consultant, PolicySmart® can offer much needed independent third-party counsel and direction. Using our proprietary database, we offer expanded industry insight, proven experience and expanded resources to help organizations identify the appropriate broker, vendor, and carrier.

Even if you are self-funded, PolicySmart® will compare your claim costs, stop-loss limits, network discounts and vendor fees with a multitude of self-funded programs so that you can see how you compare nationally and internationally.

We have saved organizations over $120 million in industry overcharges while also identifying coverage gaps and duplications in a wide range of industries. We can even help manage your Group Benefits costs. Our financial and service success stories on behalf of clients confirm the practicality and reliability of our automated system design. To date, we have achieved a 95 percent success rate.

Areas of CMR technical expertise/oversight/product lines

  • Medical (fully insured or self-funded) and Rx/Pharmacy
  • Dental (fully insured or self-funded)
  • Life & Disability, Vision and Dental
  • Program Coverage Audits and Analysis
  • Due-Diligence: Gaps, Duplications and Cost Savings (Mergers/Acquisitions)
  • Health Reimbursement Accounts (HRA’s)
  • Health Savings Accounts (HSA’s)
  • Captive Studies – Domestic and International
  • Wellness and Claim Intervention Analysis
  • Medical and Rx Audits
  • Affordable Care Act, ACA: Legislation Guidance (U.S.)
  • Section 125 and Flexible Saving Accounts
  • Transaction Liability: Representations & Warranties
  • Due-Diligence for Private Equity
  • Coverage Audits, Claim Audits, Claim Network Discounts
  • Captives, Risk Retention Groups, Rent-A-Captive
  • Procurement Advisory, Outsourced Procurement, Independent Consultant
  • Do Not Sell Product, Non-Broker, Independent Advisor
  • Strategic Sourcing Services, Insurance Cost Reduction
  • International Benefits
  • Pre- and Post-Close Guidance for Private Equity, Merger & Acquisition
  • Department Of Labor Audits, ERISA Compliance
  • Group Benefit Benchmarking Studies, Enterprise Risk Management
  • Outsourced Human Resources
  • Private Medical Insurance Reviews in the UK and other countries
  • Canadian Medical plan reviews.

Medical Insurance Marketplace

Attract talent to your company. Find the right policy to insure your healthy workforce.

Fully Insured and/or Self Insured

Find a policy or a new creative solution that lets you control costs, allowing you to manage your own enrollees and claims.


Choose from a global database of captive providers & brokers so you may create a captive providing the insurance you require, better control of your cash flow and the flexibility of plan design.

Ancillary Insurance Policies

This includes dental, long-term & short-term disability group, life, and vision

FAQs About Group Benefits Services

More Questions?

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Yes, this is an opportune time as there is a clear established baseline for review.
Yes, often we match an existing network of providers and sometimes improve the network.
Yes, Rx is a core focus area when we review a client’s medical expenses.
Before a client entertains a switch in networks, we do a geo match making sure existing M.D. relationships are not disturbed.
In many cases, clients remain with their broker with expanded coverages and lower costs.