What ClaimLinx Does: ClaimLinx helps businesses and people save money on health insurance. Imagine you’re buying a big toy, but it costs too much. ClaimLinx is like a smart friend who finds a way to get that toy for less money without it being any less fun. They make health insurance cheaper for companies and their workers.
How They Do It: They use a special trick called the "Simple Option Solution" (SOS). Here’s how it works:
- Pick a Cheaper Plan: They help a company choose a health insurance plan with a high deductible. That’s like picking a toy that costs less upfront but might need extra money later if you use it a lot.
- Add a Special Plan: They mix in something called a Medical Expense Reimbursement Plan (MERP). This is like a piggy bank the company sets up to help pay for doctor visits or medicines, so employees don’t have to spend as much of their own money.
- Custom Fit: They make sure the plans fit the company perfectly, like picking the right size shoes. They look at what the company can afford and what the workers need.
- Medical Credits = Savings: They know of every discount and credit that exists in the industry. Their software deposits that savings into your MERP putting you ahead every time.
- They Handle the Work: ClaimLinx does all the paperwork and answers questions, so the company and workers don’t have to worry about the hard stuff. They even have a website where people can check their insurance info easily.
Why It’s Awesome: This saves companies a lot of money—sometimes 20% or more! Employees still get good health care, and the company doesn’t have to spend as much.
How businesses can avoid common pitfalls, save thousands, and still offer attractive, employee-friendly health plans.
💡 Key Hacks Covered:
- Raise Deductibles Strategically
- Use a MERP to reimburse employees and still save more on premiums than you're risking.
- Leverage Drug Manufacturer Coupons Many expensive name-brand drugs (e.g., Enbrel, Humira) are covered through rebate programs—eliminating the need for gold-level plans.
- Use Hospital Grants and Payment Negotiation Call the hospital and negotiate a 20-30% discount for cash pay or set up interest-free payment plans.
- Understand Preventative Coverage Rules All ACA-compliant plans cover preventative care regardless of deductible.
- Use Telehealth Services Built into most plans, often with $0 copay. Ideal for routine care like colds, infections, or maintenance meds.
- Use Your COBRA Grace Period Smartly After job loss, you have 60 days to enroll—if no claims occur, you might not need it at all.
- Avoid Cost-Sharing Plans with Limited Coverage
- Beware of plans like Christian health sharing that may not cover injuries from “hazardous” activities.
- Rebuild Benefits Around Retention Design your benefit plan around employee retention and recruitment, not insurance broker commissions.
🔥 Quotes:
“The purpose of insurance is to transfer risk—so why are you paying more in premiums than the risk itself?” – Tom Quigley
“Raise your deductible, save thousands, and let us help cover the risk with a MERP. It’s just math.” – Tom Quigley
“If your HR director is blocking you from saving a million dollars…maybe it’s time to say goodbye.” – Tom Quigley
“Preventative care is covered regardless of the plan. That means go with the lowest-cost option, period.” – Tom Quigley
“Healthcare doesn’t have to be expensive. It’s just that nobody’s teaching you the playbook.” – Tom Quigley 🧭
Who Should Listen:
- Small to mid-size business owners looking to cut costs
- CFOs and HR managers frustrated with annual premium hikes
- Healthcare consultants and brokers looking for better options Solopreneurs or freelancers overwhelmed by ACA plans
- Any employer trying to improve retention without raising budgets
📈 Key Takeaways:
- Health insurance can be simplified and hacked legally with smart design
- A MERP paired with a high-deductible plan can slash premiums and improve benefits
- Most people overpay by default because they don’t understand the options ClaimLinx provides real, ongoing support and strategy—not just policy sales You can save 20% or more instantly by rethinking your strategy
Email Dawn For a no obligation Introduction to their agents:
[email protected]
