Serving People Just Like YOU Since 1991!

Multi-Year Strategies to Reduce Benefits Costs,
&

Improve Employee Satisfaction.

WE DEVELOP LONG-TERM STRATEGIES

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FINANCIAL STRATEGIES

Offset high fixed costs into lower variable costs & manage them effectively. Employers and employees save money by CHOOSING their benefits wisely.
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TAX STRATEGIES

Offset your benefits costs with an effective tax strategy.  Reduce taxes for both employers and employees.
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EMPLOYEE WELL-BEING STRATEGIES

Healthy, Happy, Stress-Free Employees. Getting them there, keeping them there is the cornerstone of an effective benefits strategy.

Our Solutions

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Health Reimbursement Accounts (HRAs)

Solution for rising premiums for HMO & low co-pay health insurance policies.
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Next Generation HRA

The solution to rising benefits cost.
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Health Savings Accounts (HSAs)

Like an IRA that you can use to pay for medical care. You can invest each year in a tax-exempt HSA.
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Cafeteria Plans (FSAs)

Helps save by paying medical, health insurance, dental & child care expenses  with pre-tax dollars.

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Employee Care Plus

An unexpected benefit to cover life’s surprises!

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Personal Benefit Plans

Each employee gets a Benefits Savings Account, funded by the employer, so that they can choose their own health insurance. It’s a great solution for small groups.

We Will Put Your Employee Benefits On The Cutting Edge…

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SIMPLICITY

SIMPLICITY

We can help you select the right combination of employee out-of-pocket, or HRA amount that will work for your people. It's that simple!

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PORTABILITY & SUSTAINABILITY

PORTABILITY & SUSTAINABILITY

Take your AHR Health Plan with you if you change insurers. It’s a user-friendly, cost-effective & sustainable benefits plan.

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EASY ADMINISTRATION

EASY ADMINISTRATION

Our user friendly online platform makes administration easy, or make changes by email or a simple phone call!

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NO NICKEL & DIMING

NO NICKEL & DIMING

No set-up, enrollment, document or compliance testing charges or fees. You get everything you need for just a simple, low, per employee per month fee!

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LOWER CLAIMS COSTS

LOWER CLAIMS COSTS

Your claims costs with AHR could be as much as 30% less, because of our proprietary claims technology. It blocks provider overcharges, pre-verifies all claims and reduces pharmacy costs.

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BILLING SIMPLICITY

BILLING SIMPLICITY

Choose between 1 bill per month or per-pay period, for claims we've already paid or, a flat monthly bill for consistency. It comes with a free line of credit if claims go over that monthly amount.

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CONVENIENT & COMPLETE

CONVENIENT & COMPLETE

AHR gives you everything you need in a single, comprehensive plan. You get it all: your Premium-Only Plan, ERISA Wrap, COBRA, FSAs, HSAs, HRAs & your Dependent Care plan.

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ACCURATE COST PROJECTIONS

ACCURATE COST PROJECTIONS

AHR has over 20 years of HRA specific actuarial data. We can predict with a very high level of precision how much your custom designed benefits plan will cost.

Your Employees Will Be Satisfied Because…

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NO CLAIMS TO FILE

They go to the doctor, & the rest is handled for them. Our “set it & forget it”     technology constantly queries insurance companies for claims that need to be paid, & when one is found, verifies the claim & automatically deposits funds in the employee’s bank account. The money will be in their account the next business day!

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SMART PHARMACY CARD

Our smart pharmacy card instantly verifies benefits & pays the pharmacist at the point of sale, according to your custom plan design. They simply pick up their medicine, pay their portion of the charges, if any, & they are done! Everyone saves money, & there are no claims to file!
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CONCIERGE SERVICE

Real people answering the phone, a mobile-friendly website to track account balances, expenses and claims, automatic email notifications of account activity, direct payment to providers if they wish, direct-deposit & same-day payment of claims.

What People Are Saying About AHR…

You guys are great! You make it so easy for us, and we never get any complaints from our clients!

Steve (broker), NY

I love it how a real person answers the phone when I call, and everyone is always so nice!

Larry (client’s employee), ME

I had a baby and all of those bills made no sense to me, but you figured it all out and got them paid! THANK YOU!!!!!

Sharlene (client’s employee), TX

I can’t believe how fast you guys are! I sent my claim in yesterday afternoon, and the money was in my bank account this morning! Thank you!

Kevin (client’s employee), CA

I recommend you to all of my patients. What you do makes so much sense, and I wish everybody had this plan!

Dr. Nicholas (physician and client), LA

I was worried that our employees wouldn’t like this plan, but they love it! Thank you for taking such good care of us!

Dawn (client), IL

Contact Us

11 N 2nd Ave, St. Charles, IL 60174

(800) 570-3757

(630) 762-1719

info@ahr.net