Employee Benefits for Municipalities · Indiana
Burt Advisory designs and manages health plans for Indiana municipalities and public entities. We bring transparency and control to public benefits spending, so every dollar is one you can defend to your council and your residents.
Claims analytics, multi-department plan design, and weekly advocacy. Our flagship client has saved $8.9 million over six years without cutting a single benefit.
Free benchmark · No obligation · You keep the findings
The Problem
Benefits are one of the largest controllable costs in a municipal budget. These are the four leak points we find in nearly every plan we audit.
Avoidable benefits cost is funded by taxpayers. Fully insured renewals raise that bill every year with no detail on where the money actually goes.
Councils and boards approve renewals they can't see inside. Without a claims audit, you're negotiating union and plan terms blind.
Police, fire, public works, and admin have different risk profiles, yet most carriers offer one off-the-shelf plan that fits none of them well.
Brokers who show up only at renewal miss the trend. Public entities need continuous claims and Rx monitoring to keep costs predictable.
What's Included
From plan design through compliance, here's everything we run on your behalf once you work with us.
How It Works
No leap of faith required. Here's exactly what happens after you say yes.
We dig into your claims data, current contracts, and plan design, and show you where the money is going.
We model your options, funding structures, pharmacy, stop loss, cost containment, with real numbers attached to each.
We take your plan to market independently and negotiate from data, not relationships alone.
Weekly claims monitoring, member advocacy, and proactive plan adjustments. This is where the savings compound.
FAQ
Yes. Many Indiana municipalities and public entities self-fund or level-fund, capping risk with stop-loss insurance while keeping the savings when claims run lower than projected. We model every funding option against your current plan before recommending a direction.
Self-funding gives you the claims transparency to negotiate plan design and contributions from facts. We design plans that work across union and non-union groups and support you through bargaining instead of complicating it.
Stop-loss insurance caps your exposure on both individual large claims and total annual claims, so the downside is defined up front. The larger risk is staying fully insured and never seeing where premium dollars go. Continuous oversight keeps it predictable.
Yes. Burt Advisory is based in Elkhart, Indiana and serves municipalities, school systems, and manufacturers across the state, bringing national-firm resources through the United Benefit Advisors network with local, hands-on service.
Start with our free benchmark. We compare your cost per member against entities your size, flag the three biggest leak points in your plan, and give you a written summary you keep, whether or not we ever work together.
Free Benchmark