Benefixa Advisory

Independent oversight for employer health plans.

Protect the company. Support the board. Do right by your people.

Benefixa gives employers a board-level review of health plan strategy, compensation, contracts, PBM structure, claims patterns, and fiduciary exposure. Keep your broker if the work holds up. Demand better answers if it does not.

Start a Free Review Why this matters now

CAA Transparency PBM Oversight Claims Analysis Board Protection Employee Experience

Governance, not drama

Make the decision defensible before the renewal becomes expensive.

The CAA raised the bar for transparency, compensation disclosure, and fiduciary accountability. Benefixa helps employers document a disciplined process, challenge hidden incentives, protect the organization, and improve outcomes before cost problems become board problems.

Protect the companyShow that leadership took a serious, independent look at healthcare spend and vendor alignment.

Protect the boardCreate a record of review around fiduciary process, compensation, contracts, and plan management.

Protect your peopleImprove access, affordability, and employee experience without pretending wellness slogans fix procurement.

Preserve optionalityKeep the broker relationship if it serves the company. Change course only when the evidence demands it.

What we evaluate

Follow the money before you sign the renewal.

We review the plan like an owner would: not just rates, but incentives, contracts, risk, claims, pharmacy, vendor economics, and employee impact.

Carrier & networkRenewal pressure, network quality, access, and whether the carrier is earning its keep.

Funding strategyFully insured, level funded, self-funded, and captive options modeled against risk tolerance.

PBM & RxSpread, rebates, formulary incentives, specialty drugs, and fiduciary PBM alternatives.

Claims patternsMSK, diabetes, high-cost claimants, avoidable ER, steerage, and vendor opportunity.

Stop-loss & riskContract terms, lasers, aggregate exposure, renewal basis, and hidden risk transfer costs.

Broker compensationCAA disclosures, overrides, bonuses, consulting fees, and alignment of incentives.

Employee experienceCan people actually get care, understand the plan, and afford to use it?

First 30 daysA practical action plan: what to ask for, what to challenge, and what to change first.

The GO Plan

For large and enterprise organizations that need proof before they move.

The GO Plan gives leadership an independent, board-level review of the current health plan strategy before renewal pressure takes over. It is built for larger employers and enterprise organizations that need documented governance, savings validation, vendor accountability, and a defensible path forward without creating unnecessary disruption.

Use it when the stakes are too high for a gut-check renewal. We review strategy, compensation, PBM economics, claims patterns, stop-loss, vendor alignment, and employee impact — then show leadership what to keep, what to challenge, and what to change first.

Explore The GO Plan

Model the opportunity

LargeEmployer ready

CAAFiduciary lens

GOGovernance oversight

Illustrative calculator

Dial in your healthcare spend.

This model is intentionally flexible. Smaller groups may require a custom minimum or adjusted guarantee. Larger groups should not be punished with a fee that scales beyond the work required.

Annual healthcare spend

Slide from $0 to $100M

$0$25M$50M$75M$100M

Indicative advisory fee

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Start by entering spend.

Target savings path

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Often anchored to a multiple of fee.

Effective fee rate

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Designed to scale down for larger employers.

If we miss

Downside protection is finalized in the engagement terms.

Important: This calculator is illustrative only. Exact scope, advisory fee, guarantee multiple, refund mechanics, and deliverables are finalized after a cursory analysis.

Start safely

Four things. That’s all it takes.

No names. No addresses. No SSNs. Every employer — 50 people to 5,000 — starts the same simple way.

Eligible headcountHow many employees qualify for benefits?

Participant countHow many are currently enrolled?

SBCs or plan summariesThe basic plan designs currently offered.

Invoice or renewalMonthly cost, tier rates, or current renewal package.

Schedule my free assessment

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