At C&A Benefits Group, we believe that fixing healthcare doesn’t require waiting for a national overhaul—it starts locally, with employers who are ready to take back control.
This case study highlights the impact of a Community Health Plan designed by C&A Benefits Group. The results are more than impressive, they’re transformative.
The Challenge: Rising Costs, Limited Flexibility
Like many employers across Ohio, this mid-sized organization was stuck in a fully insured plan with a large national carrier. Despite skyrocketing costs, their employees faced:
- High deductibles
- Rising out-of-pocket expenses
- Little visibility into how their dollars were being spent
In just six months (January–June 2024), the employer faced the following claim expenses:
- Medical Claims: $1,068,884
- Prescription Claims: $323,569
- Total Claims: $1,392,453
They knew something had to change—but not at the cost of quality care.
The Solution: A Locally Driven Community Health Plan
Working with C&A Benefits Group, the employer transitioned to a Community Health Plan under The Ohio Employers Health Plan, a transparent, employer-led model focused on:
- Direct provider contracts
- Faster provider payments
- Zero-dollar deductibles
- Free or low-cost medications and services
- Tier 1 networks that keep care local
Unlike legacy insurance models, this plan prioritized local partnerships and member-centric care design.
The Results: Over $1.1 Million in Savings in 6 Months
From January to June 2025, just one year later, here’s how the numbers looked:
- Medical Claims: $133,917
- Rx Claims: $69,661
- Total Claims: $203,578
That’s a reduction of $1,188,875 in just half a year.
And it gets better:
Employees now enjoy enhanced benefits, not just lower costs.
- No deductibles
- Access to free medications
- Expanded access to local care
- Enhanced member advocacy and support
Importantly, the dramatic reduction in healthcare costs wasn’t achieved by denying claims or restricting access to care. Instead, it came from restructuring how healthcare is purchased and delivered—by creating direct, mutually beneficial relationships between local employers and local healthcare providers.
Rather than paying into a traditional insurance system full of administrative overhead, markups, and slow reimbursements, this Community Health Plan uses direct contracts with trusted local providers. These agreements ensure that care is delivered at fair, transparent rates and that providers are paid quickly and reliably. This approach aligns incentives across the board.
A New Healthcare Model Repeatable Across Ohio
This isn’t a one-off success. At C&A Benefits Group, we’ve helped employers across Ohio design and implement Community Health Plans that:
- Reduce premiums and claim costs
- Improve member experience
- Strengthen local hospital and provider systems
- Keep over 80% of care within the community
We’re not just brokers, we’re architects of transformation.
Ready to Explore a Community Health Plan?
If you are an employer tired of rising costs, lack of visibility and control, it’s time to explore a smarter model. Community Health Plans are proving that affordable, transparent, and employee-focused healthcare is possible and happening right here in Ohio.
Contact us today to see how your organization could benefit from a Community Health Plan: Email Jason King.
