Growing your organization through acquisitions?

Get group health insurance solutions that let you save at scale.

Like everything else, group health insurance should cost less at scale.

But because you’re working hard on growth and acquisitions, you don’t have time to research smarter solutions or figure out the best way to structure your groups. We do that for you, with strategies that have saved up to $2M annually for our clients.

Are you a nursing home owner or healthcare group?

We provide leaner healthcare costs.

We also serve many other industries.

Jewelry

Electronics

Staffing

Dialysis

Cosmetics

Ambulance

Laboratory

Home Care

We research, analyze, shop and compare group health insurance, and consult with attorneys when needed. You get cost-saving results with minimal effort.

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Melody Benefits Stats

Case studies

Rethinking Home Healthcare Recruitment and Retention

NY Home Care Worker Wage Increase: Save Thousands with Wage Parity Benefits

HCBS eFMAP: Clearing the Confusion and Seizing the Opportunity

Secrets of a Successful New York Home Healthcare Agency

2022 – Year of the Home Healthcare Audit?

Why You Should (and Shouldn’t) Worry About Your Wage Parity Annual Compliance Statement

Budget-friendly Incentives for Home Healthcare Providers

Overcome 3 Home Healthcare Challenges to Supercharge Agency Growth

Avoid These 5 Wage Parity Mistakes to Retain Your Top Talent

The Impending NYS LHCSA RFO: Advice and Advocacy

Empower Your Employees to Maximize Wage Parity Benefits

The Top 3 Wage Parity Benefits Your Employees Want

NY Wage Parity Benefits: Outsource or In-house?

20-21 NY State Budget, Wage Parity, and You

Cash in Lieu of Wage Parity Benefits: 5 Reason NOT To

Make NY Wage Parity Laws Work for You

^ Results will vary based on individual circumstances. We are 100% committed to finding the best solutions for your unique situation. With a combined 48 years of experience in this industry, we have the deep knowledge it takes to optimize your group health insurance policies. In fact, if we aren’t sure we can decrease your costs, we will not take you on as a client.

A Proven Track Record Is One Thing. Here’s The Other:

We make this so simple, you won’t even need to ask if it’s worth your time.

Get questions answered.

We reply to your questions and requests quickly and professionally.

Enjoy hands-free enrollment.

We integrate with your payroll software to upload and enroll your census.

Keep prices down, year to year.

We put every renewal through rigorous research so you don’t pay more than you should.

"They’re so fast. I love working with them, it's just amazing. You email them and you always get an answer right away... If you don't get an answer within a few minutes or within that day, it’s like the next day… You feel like you are their only client. It's great to work with people like this."

We work with your payroll software.

Questions about payroll integrations?

“Looking out for what’s better for us.”

“We looked at the different companies out there. With Melody, their reputation precedes them. They do things the right way, a way that benefits both employees and employers. With the other company, it was like “Here’s your bill. Pay it. Goodbye.” With Melody, we know there’s the communication…Melody has a portal where I can go see exactly where employees are spending, how they are spending, what they’re spending it on. That helps me understand what my employees need and what they want.”

Can’t imagine what it’s like to work with us? Picture this.

1. We liaise with HR to get started.

We meet with your HR departments. It doesn’t matter how many you have. We’re used to this kind of thing and have it down to a science.

2. We do the cost-saving research that only we can do.

The next step’s all ours. We put our team to work researching and analyzing, comparing self-insured to fully-insured options, shopping plans and running ideas past our attorneys if needed.

3. We present options. You make a choice.

Presentation time! Get your eyeballs on 2-3 different cost-saving options with a full analysis of each. This includes which options your competitors are using…and why.

4. You hand over the reins to enrollment.

Enrollments fall into our court. We work with payroll integrations and use your software to enroll your census. We know your company pretty well by now, so we set up an onboarding process to best meet your needs.

5. Onboarding starts with an email. Back, forth. Done.

We’ll ask you for the 6 key pieces of information we’ll need to get started. You’ll reply with an itemized list, and it’s all systems go.

6. We keep renewal costs down for you. Every. Single. Year.

Get relentless research before every annual renewal. While increases are usually unavoidable, we’ll figure out how to bring increases down from 10% to as little as 2%.

Wage ParityBenefits

Group HealthInsurance

High Net-WorthLife Insurance