How Our Client Saved over $1,000,000 in Future Claims

Industry

Auto Dealership

Challenge

A multi-location dealership group was facing unsustainable claims costs after three plan members accumulated over $1 million in combined claims during the 2025–2026 plan year, threatening significant increases at renewal and impacting affordability for the entire group.

Results

All Atlantic Benefits partnered with a dedicated Medicare specialist to identify Medicare-eligible high-cost claimants and execute a seamless transition off the employer plan with zero disruption to care or coverage.

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High Cost Claimants

$1M +

Saved in Healthcare Costs

Zero

Disruptions to Employee Care

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Name

Decisionmaker @ Client Company

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About Miami Lakes Auto Mall

A rapidly growing, self-funded multi-location automotive dealership group with a diverse workforce spanning sales, service, and administrative roles across multiple locations. As the organization scaled, so did its exposure to claims volatility — making proactive plan cost management a top priority for leadership.

The Challenge

A multi-location dealership group was facing unsustainable claims costs on their employer-sponsored health plan. Three members on the plan had accumulated over $1 million in combined claims during the 2025–2026 plan year, putting enormous pressure on the group’s loss ratio and threatening significant premium increases at renewal.

Without intervention, these high-cost claimants would continue to drive plan costs upward—impacting not just the employer’s bottom line, but the affordability of coverage for every employee in the group.

The Solution

All Atlantic Benefits partnered with a dedicated Medicare specialist to conduct a thorough review of the plan’s high-cost claimants. Through proactive outreach and benefits counseling, the team identified three Medicare-eligible individuals who could be transitioned from the employer plan to Medicare coverage without disruption to their care.

The process included a personalized evaluation of each individual’s coverage needs and coordination among the employer, the individuals, and the Medicare enrollment process.

This is the kind of strategic, hands-on advisory work that goes far beyond simply placing a policy. It requires deep knowledge of both employer plan dynamics and individual Medicare eligibility—and a willingness to do the work that many brokerages overlook.

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The Results

$1,040,000 in total claims removed from the plan. Three individuals successfully transitioned to Medicare. This is what a true benefits partnership looks like: proactive strategy, specialized expertise, and real financial impact.