Member Stories2 min read
When a Surgery Bill Dropped by $11,000
A $20,000 surgery quote doesn’t have to be the final number. It usually is — unless someone who knows the system is working it on the employee’s behalf.
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Independentbenefitsadvisors.Builtaroundyourpeople.
We're an independent employee benefits advisor. We help employers evaluate every option — fully insured, level funded, self funded. And we stand behind your decision with our Symplifier Customer Service Team, dedicated to helping your employees make the most of the benefits package and strategy you've chosen.
Client case examples
What advisor-led actually looks like.
Every role behind your plan.
The people you and your employees actually call. Real roles, real numbers — not a chatbot, not a 1-800 menu, not a "concierge" who hands you back to the carrier.
Advisor
Strategy
Independent guidance across funding models — your partner in the big decisions.
Account Manager
Client service
Your day-to-day contact for plan administration, renewals, and everything in between.
Benefit Specialist
Plan support
Enrollment, eligibility, and plan questions — handled quickly and correctly.
Symplifier Team
Member support
First call when an employee needs a provider, a claim, or a script.
Actuarial Team
Analytics
Claims modeling and the math behind every recommendation we make.
Client Transition Manager
Onboarding
Guides your move to Sympl — data, carriers, and communication, start to finish.
Jay Ofield
Partner
Wes Spencer
Partner
Advisors first. Always.
We don't push a single plan, a single carrier, or a single funding model. We help you choose between them — and we make whatever you choose work.
Advise
Independent strategy across fully insured, level funded, and self funded. We model every realistic option against your real claims — then recommend what actually fits.
Why independent mattersDesign
We build plans that drive better consumer behavior — clearer choices, smarter pharmacy strategy, transparent pricing — so costs come down without cutting coverage.
See plan optionsSupport
The Symplifiers on our team are the people your employees actually call — for claims, providers, prescriptions, and everything in between.
Meet the SymplifiersSelf funded. Level funded. Fully insured.
We recommend what fits — not what's easiest to sell. Our job is to show you the real numbers on each, then build whichever one wins the math.
Where we focus
Self funded
Maximum control, maximum savings potential. Right when scale and stable claims unlock real flexibility.
Where we focus
Level funded
Self-funded mechanics with insured-style billing. Right when you want claims visibility without the volatility.
Fully insured
Predictable monthly cost, carrier-managed risk. Right when stability and simplicity matter most.
"We are very impressed with the results. $328,000 in savings, and we added a ZERO deductible."
Notes from independent advisors.
Practical guidance for HR and finance leaders evaluating funding models, pharmacy strategy, compliance, and what to ask your broker.
Employer Strategy3 min read
What Most Benefits Brokers Don’t Tell You About Your Health Plan
Renewal strategy isn’t the same as a real strategy. Here’s what most brokers leave out — and why it matters.
May 30, 2026Read
Plan Design & Funding3 min read
Self-Funded vs. Fully Insured Health Plans: Which Saves More Money?
A side-by-side look at the two models that quietly shape every renewal — and how to tell which one fits your business.
May 16, 2026Read
Start with a real conversation.
30 minutes. No pitch. We'll listen to what your current benefits aren't doing for you, then come back with options that actually fit.
- 01
Discovery call
A 30-minute conversation. We learn your business, your people, and what your current benefits aren't doing for you.
- 02
Independent strategy & options
We model fully insured, level funded, and self funded against your real claims data — then recommend what actually fits.
- 03
Ongoing Symplifier support
The Symplifiers on our team become the people your employees actually call — for claims, providers, prescriptions, and everything in between.