Lower Costs. Better Care.
25+ Years of Doing Benefits Differently
Over the past quarter of a century, we’ve used creative strategies to turn yearly rate hikes into significant savings.
98% Client Retention Rate
We build creative and custom solutions that drive your premium costs down while giving your employees better care. That’s why employers stay.
Up to 35% Average Cost Savings
Watch your premiums drop 15%-35% while much of your team enjoys ZERO out-of-pocket costs. Let us prove it.
100% In-House Service Model
Anything you need, call us. With New Jersey’s only in-house Third-Party Administration (TPA), we handle your benefits, your cards, your claims, and your questions.
Why Insurance Companies HATE US. And Employers LOVE Us.
“We have clients paying LESS TODAY than they were 10 YEARS AGO.”
The Insurance Industry has Been Doing This BACKWARDS.
When we founded NationalHR over 40 years ago, it was clear the health insurance model was broken. And it’s gotten exponentially worse.
Every year, you get that slap to the face. Premiums skyrocket. Deductibles soar. Copays jump. You pay more, your employees pay more, and somehow… the level of care is WORSE!
At NationalHR, we asked one simple question: What if there was a better way?
We call it the NationalHR Benefits Flip.
- It starts with an original and creative approach that drives employer premiums way down. (Nobody else does this.)
- Your employees can confidently visit their doctor again. Often, there are no co-pays, no pharmacy costs.
- Everything is paid using an employer-funded and tax-favored Benny Card. Easy!
- And because we are New Jersey’s only in-house TPA, simply call us for any claims or questions.
Benefits that put YOU first
What If the “Worst” Plan Became Your Best Plan?
There’s a red flashing warning side in the health insurance industry that everyone is ignoring:
The majority of healthcare costs are generated by just 10%-15% of insured employees. Yet, everyone on your team is punished with higher premiums, higher deductibles, and higher out-of-pocket costs.
As a result, most brokers chase the cheapest rates. You save pennies while your level of care nosedives. Your employees’ solution to saving money is to avoid the doctor and getting sicker. It’s absolutely backwards.
We solve the problem differently.
Through our creative strategy, we pair a lower-premium, higher-deductible health plan with a NationalHR-administered Medical Expense Reimbursement Plan (MERP) designed to help fill the gaps. The result?
A healthcare strategy that can reduce employer costs while helping protect employees from the financial burden of deductibles, copays, and other qualified medical expenses.
One Partner. A Completely Different Benefits Strategy.
Most benefits companies sell you a plan and then send you somewhere else when you need help. Voicemails. Ticket systems. Endless roadblocks.
We do things differently.
NationalHR has its own in-house Third-Party Administrator (TPA). So, the same company that designs your benefits plan also handles everything. Reimbursement process. Claims. Benny Cards. Employee questions. And we always answer our phones live.
One team. One strategy. One place to call.How can we save employers as much as 35% on their premiums every year? How can many employees enjoy zero out-of-pocket costs?
It’s a combination of our creative approach and our Medical Expense Reimbursement Plan (MERP).
In short, it’s an employer-sponsored benefit plan that allows employers to reimburse employees tax-free for medical expenses, such as deductibles, copays, and coinsurance.
Start beating the health insurance industry at its own game.
Benefits are only one piece of the puzzle.
Employers also face a growing list of HR and compliance responsibilities that can be confusing, time-consuming, and expensive when handled incorrectly.
From benefits compliance and reporting to HR guidance and ongoing support, our team helps employers stay organized, informed, and prepared.
NationalHR helps take the guesswork out of human resources.
Praise from our clients
