Employee Benefits for School Systems · Indiana
Burt Advisory designs and manages health plans for Indiana school systems. We turn benefits from a runaway line item into a controlled, transparent cost, so more of the levy reaches the classroom.
Claims analytics, ACA compliance, 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 often a district's second-largest cost after payroll. These are the four leak points we find in nearly every plan we audit.
Every dollar of avoidable benefits cost is a dollar out of instruction, aides, and salaries. Fully insured renewals quietly do exactly that, year after year.
Negotiating contribution and plan design with associations is far harder when no one has audited the claims data behind the renewal.
ACA measurement for variable-hour staff is a compliance minefield for districts. Mistakes are expensive and easy to make on a stock carrier plan.
Most brokers appear once a year at renewal. By then the trend is locked. Districts need someone monitoring claims and Rx spend continuously.
What's Included
From plan design through ACA 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 districts self-fund or level-fund their health plans, capping risk with stop-loss insurance while keeping the savings when claims run lower than projected. We model self-funded, level-funded, and fully insured options against your current plan before recommending a direction.
It strengthens your position. Because you see the actual claims data, you can negotiate contribution and plan-design changes from facts instead of a carrier's renewal letter, and show staff exactly where costs are going.
We do. Variable-hour ACA measurement is one of the biggest compliance risks for districts, so we build the tracking and reporting into the engagement rather than leaving it to the business office.
Yes. Burt Advisory is based in Elkhart, Indiana and serves school systems, municipalities, 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 districts 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