Health & Benefits Architecture
Protecting human capital with the same discipline used to preserve financial capital
At RM Legacy Group, we offer access to modern, self-funded health strategies through a network of trusted carrier and administrative partners. Our mission is to curate, coordinate, and oversee each program—aligning benefit performance with business objectives while maintaining clarity, control, and long-term cost stability.
Why Employers Work With Us
- Cost Discipline: Self-funded structures that reward efficiency and allow employers to retain the savings they create.
- Open Access: Nationwide reach and provider freedom—without the maze of restrictive networks.
- Actionable Data: Transparent reporting that turns healthcare spend into insight, helping leaders make confident decisions.
- Built-In Compliance: COBRA, HIPAA, and ERISA administration handled by expert partners—so governance remains seamless and secure.
Result: A benefits platform that functions like a well-managed portfolio—measured, transparent, and built to endure.
Who We Serve
Founder-led and family enterprises seeking predictable, sustainable benefits spending.
High-growth professional services, advanced trades, and healthcare practices.
Multi-location or seasonal workforces requiring flexible, compliant coverage.
Employers transitioning from fully insured plans to a structured, self-funded alternative.
What Employers Can Expect
Measurable Financial Impact
A disciplined self-funded model can materially reduce healthcare spend, free up capital, and strengthen margins.
Decision-Grade Visibility
Monthly reports reveal trends early—allowing leadership to adjust strategy before next year’s renewal cycle.
Elevated Employee Experience
- Broader provider access with simpler navigation.
- Faster approvals and integrated digital tools.
- 24/7 virtual care available anywhere.
Program Pillars
Comprehensive Coverage (Medical • Dental • Vision • Rx)
Tailored plan architectures that elevate employee experience while maintaining fiscal discipline.
Open-Access Care
Employees can see the physicians and facilities they prefer nationwide, with transparent plan pricing and straightforward billing.
Telemedicine & Behavioral Health
24/7 virtual access to licensed doctors and therapists—reducing ER visits while supporting preventive care and mental wellness.
Pharmacy Strategy
Prescription designs that balance clinical quality with cost stewardship through formulary control, specialty-drug oversight, and transparent pricing.
Compliance & Governance
COBRA, HIPAA, and ERISA services delivered through experienced partners, supported by documentation, audits, and fiduciary oversight.
Financial Protection (Stop-Loss)
Specific and aggregate stop-loss protection from A-rated carriers safeguards against catastrophic claims and stabilizes annual costs.
Implementation Path (60–90 Days)
Discovery & Planning
• Review census and claims data
• Define objectives and contribution strategy
• Outline preliminary plan framework
• Define objectives and contribution strategy
• Outline preliminary plan framework
1
Build & Protect
• Finalize documentation and funding model
• Select stop-loss coverage and align effective dates
• Configure telemedicine and wellness features
• Select stop-loss coverage and align effective dates
• Configure telemedicine and wellness features
2
Launch & Educate
• Distribute digital IDs and communications
• Conduct employer and employee Q&A sessions
• Go-live with initial reporting cadence
• Conduct employer and employee Q&A sessions
• Go-live with initial reporting cadence
3
Our Partners
RM Legacy collaborates exclusively with established, A-rated carriers and administrative providers recognized for financial strength, service quality, and long-term reliability.
Each engagement leverages this network to deliver consistent execution and compliance across every plan component.
plus 86 trusted carriers
