Group benefit renewal audits
Group benefit plan marketing
Claims utilization analysis
Group plan redesign
Drug plan management optimization
Stop-loss coverage optimization
Leave management & disability claims audits
Financial arrangement analysis
Get us to provide a second opinion on your annual group benefits renewal. Let us review your insurer’s assumptions, pricing, and reporting. Let us help you negotiate with confidence, and tell you if you’re paying a fair price.
What you’ll get: A line-by-line review if your renewal, a pricing fairness benchmark, clear negotiation points to bring back to your insurer, and optional support for counter-offers or appeals.
At Modus Financial, we specialize in group benefits consulting for employee health care plans across Canada. In addition to our core consulting services, we provide marketing support to ensure a smooth transition when employers change insurance carriers. From employee communication materials to plan comparisons and onboarding assistance, we help organizations effectively manage change and maintain employee confidence throughout the process.
We offer detailed claims utilization analysis to help employers understand how their group health plans are being used. By examining trends in claims data, we identify cost drivers, assess plan performance, and uncover opportunities for plan design improvements—empowering organizations to make informed, strategic decisions that better serve their employees and control costs.
We help organizations redesign their group benefits plans to better align with employee needs, budget goals, and organizational objectives. Whether you're enhancing coverage, adjusting cost-sharing, or modernizing your offerings, we provide expert guidance and benchmarking to ensure your plan remains competitive, sustainable, and valued by your team.
We help employers optimize their drug plans to balance cost control with comprehensive employee coverage. Through data analysis, plan design strategies, and integration of cost-saving tools like formulary management and preferred pharmacy networks, we ensure your drug plan remains sustainable while supporting employee health outcomes.
We provide expert stop-loss coverage analysis to protect your benefits plan from catastrophic claims. By reviewing historical claims data, evaluating risk exposure, and comparing market options, we help you secure the right level of protection at a competitive price—ensuring your plan remains financially stable and sustainable.
We support employers with leave management and conduct in-depth disability claims audits to ensure fair, efficient, and compliant administration. By reviewing claims handling, duration trends, and carrier performance, we help identify cost drivers, reduce unnecessary absences, and improve return-to-work outcomes—protecting both your employees and your bottom line.
We analyze your group benefits funding arrangement—whether fully insured, ASO, or a hybrid model—to ensure it aligns with your risk tolerance, cash flow needs, and long-term goals. By comparing costs, liabilities, and plan performance under different structures, we help you choose the most efficient and financially sound approach for your organization.