Can your employees cover a big medical bill?
I add employee financial protection on top of the health plan you already have.
What is Medical Balance Protection™?
Medical Balance Protection™ is a layer of financial protection that helps employees avoid paying the full out-of-pocket maximum on their health plan.
It pays the medical provider, not the employee.
It works alongside the health plan your company already has, including level funded plans. Your health plan stays exactly where it is.
Why it matters
More than half of Americans cannot cover a $1,000 emergency expense.
Source: Bankrate, 2026 Annual Emergency Savings Report, January 21, 2026. Only 47% said they have enough savings or access to funds to cover a $1,000 expense.
About 2 in 3 Americans say they live paycheck to paycheck.
Source: PYMNTS Intelligence, The American Paycheck 2026 Annual Edition, January 2026
When a big medical bill lands, most employees cannot absorb it. That stress shows up at work, and it shows up in turnover.
How it works
- 1We talk for 30 minutes about your current health plan.
- 2I show you how Medical Balance Protection™ fits on top of it.
- 3You decide. No charge. No obligation.
Why David
"Most agents quote a rate. I build a benefits strategy."
One advisor, one strategy, one relationship. Licensed since 2007. Working in group benefits since 2016.
Common questions
What is Medical Balance Protection™?
Medical Balance Protection™ is extra financial protection that sits on top of your group health plan. It pays the medical provider toward what the health plan leaves behind, so your employees are not left covering the full out-of-pocket maximum on their own.
Does Medical Balance Protection™ replace our health plan?
No. It works alongside the health plan you already have. Your health plan stays in place, and this adds a layer of financial protection for your employees on top of it.
Does it work with a level funded plan?
Yes. It works with fully insured plans and level funded plans. If your company already offers a group health plan, this can be added on top of it.
What does the 30-minute review cost?
Nothing. The review is free, and there is no obligation of any kind afterwards.
Let me show you how it works.
30 minutes. No charge. No obligation.
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