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If you want your employees spending less time at the doctor’s office or recovering from surgery, a company-wide wellness program can pay off. (Image: Shutterstock)

There are many savings opportunities hiding in your benefits plan, but you can only unlock them if you’re working with an adviser who knows what to look for. Status-quo benefits plans are designed to offer patients health care options that get brokers and insurance companies paid more, but they do so by providing your employees with inferior health care at a greater cost to you. Making the most out of your plan’s cost-cutting potential requires a bit of creative thinking and strategizing with your adviser, but the results are worth it.

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