A Better Way To Build Your Benefits.

Delivering Transparent, Innovative and Cost-Efficient Solutions for Employer’s Insurance Requirements and Needs

PEO Services

Y Consulting Services works with a national PEO (Professional Employer Organization) brokerage firm that finds the best PEO solution for our clients. A PEO (Professional Employer Organization) provides customized solutions within various areas of Human Resources services.
learn more »

HR Support

You may be looking for help with a few key HR functions, or you may be interested in a more robust HR outsourcing solution. Different PEOs offer different services, so it’s important to know what your options are.

Payroll Administration

Your PEO partner could simply provide you with the software you need to complete your payroll and benefits administration, or it could handle everything on your behalf.

Benefits

Many PEOs offer a co-employment agreement, where your employees are part of a larger pool of all of the businesses partnered with your PEO. This means access to higher quality insurance plans, often with cheaper premiums for you and your employees.

Risk & Safety/Compliance

Keeping business in line with major labor laws is important, whether it’s at the federal, state, or local level. On top of the general laws all employers must follow, you may have industry-specific regulations that you must adopt.

Group Services

Y Consulting Services discusses with the employer the company’s overall organizational goals and budgetary constraints so that the plans offered meet the employer’s unique needs. There are numerous strategies to provide, but with proper fact finding during a discovery process, we can find the best solution for each employer.
learn more »

Direct to Employer 

Includes creating a sustainable and meaningful solution for middle-market employers and helping to educate employers on how to enter into direct partnerships for medical, pharmaceutical and PHM services and improve the health benefits they offer employees.

Alternative Funding

Browse various funding structures for your benefits plan from self-funded to graded funding to level funding to fully funded. We can help you weigh the pros and cons of all structures and choose what makes the most financial sense for your business.

Captives

Captives are a community of employers focused on controlling their health care costs. Employers contribute premiums to the group captive to collectively cover claims that fall between the small, self-funded layer, and the catastrophic layer.

Reference-Based Pricing

With this structure, provider reimbursement is based on a percentage of what Medicare would typically pay the provider, which often ranges from 120% to 170% of Medicare reimbursement.

Stop/Loss Insurance

Stop loss limits a self-funded employer’s health plan liability to a specified amount and protects the financial integrity of the self-funded health insurance plans.

Rx Carve Outs

A pharmacy carve-out is when an employer separates, or carves out, their prescription drug benefits from their major medical plan to contract directly with a PBM.

Group Ancillary Benefits

From group life insurance and long-term disability to group vision, accident and dental, we can help your organization offer valuable ancillary benefits as a part of your total benefits package.

Travel Medical Plans

From short and long-term international health plans for all varieties of travel to plans designed specifically for group, educational experiences or long-term assignments, we can help ensure your organization is covered when it comes to business travel.

Individual Services

Y Consulting can help protect your future no matter what it holds. From long-term disability insurance to long-term care and life insurance, we can make sure both you and your loved ones are prepared if an unexpected medical condition occurs, or you simply need to prepare for aging.
learn more »

Long-Term Disability

Individual Disability Insurance is designed to support the needs of executives and professionals with high salaries or uninsured earnings to help protect their lifestyle even if they cannot work.

Long-Term Care

Long-term care (LTC) is any personal assistance you need to maintain your quality of life as you get older. Chances are, you’ll need LTC at some point. The majority of us will.

Life Insurance

There are many types of life insurance policies that can help protect your family, and they all fall into two main categories: term and permanent. It’s important to choose the right policy to protect the future of your loved ones.

Financial Wellness

Financial Wellness is defined as effectively managing your economic life. Specifically, we help provide financial planning to an employer’s employees. This is an added value you can offer in an employee’s benefits package to ensure they are receiving financial guidance and advice no matter their position in life.
learn more »

Financial Planning Services

We provide educational tools and guidance to employees through simple steps like budget questionnaires, student debt advice, and choosing a traditional vs. Roth IRA.

Monthly Finance Webinars

In addition, we can provide monthly learning topics to be conducted in person or via webinar on various topics like financial 101, choosing the right 401k plan, or how to plan for taxes.

Group Services

Y Consulting Services discusses with the employer the company’s overall organizational goals and budgetary constraints so that the plans offered meet the employer’s unique needs. There are numerous strategies to provide, but with proper fact finding during a discovery process, we can find the best solution for each employer.
learn more »

Direct to Employer 

Includes creating a sustainable and meaningful solution for middle-market employers and helping to educate employers on how to enter into direct partnerships for medical, pharmaceutical and PHM services and improve the health benefits they offer employees.

Alternative Funding

Browse various funding structures for your benefits plan from self-funded to graded funding to level funding to fully funded. We can help you weigh the pros and cons of all structures and choose what makes the most financial sense for your business.

Captives

Captives are a community of employers focused on controlling their health care costs. Employers contribute premiums to the group captive to collectively cover claims that fall between the small, self-funded layer, and the catastrophic layer.

Reference-Based Pricing

With this structure, provider reimbursement is based on a percentage of what Medicare would typically pay the provider, which often ranges from 120% to 170% of Medicare reimbursement.

Stop/Loss Insurance

Stop loss limits a self-funded employer’s health plan liability to a specified amount and protects the financial integrity of the self-funded health insurance plans.

Rx Carve Outs

A pharmacy carve-out is when an employer separates, or carves out, their prescription drug benefits from their major medical plan to contract directly with a PBM.

Group Ancillary Benefits

From group life insurance and long-term disability to group vision, accident and dental, we can help your organization offer valuable ancillary benefits as a part of your total benefits package.

Travel Medical Plans

From short and long-term international health plans for all varieties of travel to plans designed specifically for group, educational experiences or long-term assignments, we can help ensure your organization is covered when it comes to business travel.

Individual Services

Y Consulting can help protect your future no matter what it holds. From long-term disability insurance to long-term care and life insurance, we can make sure both you and your loved ones are prepared if an unexpected medical condition occurs, or you simply need to prepare for aging.
learn more »

Long-Term Disability

Individual Disability Insurance is designed to support the needs of executives and professionals with high salaries or uninsured earnings to help protect their lifestyle even if they cannot work.

Long-Term Care

Long-term care (LTC) is any personal assistance you need to maintain your quality of life as you get older. Chances are, you’ll need LTC at some point. The majority of us will.

Life Insurance

There are many types of life insurance policies that can help protect your family, and they all fall into two main categories: term and permanent. It’s important to choose the right policy to protect the future of your loved ones.

PEO Services

Y Consulting Services works with a national PEO (Professional Employer Organization) brokerage firm that finds the best PEO solution for our clients. A PEO (Professional Employer Organization) provides customized solutions within various areas of Human Resources services.
learn more »

HR Support

You may be looking for help with a few key HR functions, or you may be interested in a more robust HR outsourcing solution. Different PEOs offer different services, so it’s important to know what your options are.

Payroll Administration

Your PEO partner could simply provide you with the software you need to complete your payroll and benefits administration, or it could handle everything on your behalf.

Benefits

Many PEOs offer a co-employment agreement, where your employees are part of a larger pool of all of the businesses partnered with your PEO. This means access to higher quality insurance plans, often with cheaper premiums for you and your employees.

Risk & Safety/Compliance

Keeping business in line with major labor laws is important, whether it’s at the federal, state, or local level. On top of the general laws all employers must follow, you may have industry-specific regulations that you must adopt.

Financial Wellness

Financial Wellness is defined as effectively managing your economic life. Specifically, we help provide financial planning to an employer’s employees. This is an added value you can offer in an employee’s benefits package to ensure they are receiving financial guidance and advice no matter their position in life.
learn more »

Financial Planning Services

We provide educational tools and guidance to employees through simple steps like budget questionnaires, student debt advice, and choosing a traditional vs. Roth IRA.

Monthly Finance Webinars

In addition, we can provide monthly learning topics to be conducted in person or via webinar on various topics like financial 101, choosing the right 401k plan, or how to plan for taxes.

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July 2, 2021
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July 1, 2021
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June 30, 2021
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Hear from Our Customers

I’ve always found Matt to be very knowledgeable in the field and he’s very responsive when I reach out to him with questions.  More than that, Matt took the time to ask questions about my needs to better match me with the products that suited me best.  His no-nonsense approach to insurance is a refreshing change from all the confusing industry terms.  I highly recommend Matt!
Sandy Carruthers, DELK
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Discover A Better Way To Establish Your Benefits Package.

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Discover A Better Way To Design Your Benefits Package.

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