S. Wolf Ancillary First™ Method

A Different Approach to Employee Benefits

Most employee benefits advisors begin with one question:

"How much is your health insurance increasing this year?"

At S. Wolf, we start with a different question:

"How can we improve the value of your entire benefits program before your medical renewal?"

That's the foundation of our Ancillary First™ approach.

Rather than treating ancillary benefits as an afterthought, we evaluate them first—identifying opportunities to strengthen your overall benefits strategy before addressing medical insurance.

Why Start with Ancillary Benefits?

Unlike group health insurance, which is generally only reviewed or changed during an annual renewal or open enrollment period, many ancillary benefit programs can be reviewed and, when appropriate, changed throughout the year.

That means organizations don't always have to wait until their medical renewal to begin improving their benefits strategy.

By evaluating ancillary benefits first, eligible organizations may be able to realize immediate savings, enhance employee benefits, simplify administration, and begin creating value months before their health insurance renewal.

Exclusive Opportunities for Nonprofit Organizations

Our approach becomes even more valuable because of the relationships we've built with select carrier partners.

Through special arrangements, many eligible nonprofit organizations can access group purchasing arrangements that may not be available through the traditional marketplace. These programs can provide more competitive pricing, enhanced plan designs, and, in some cases, broader coverage than organizations could obtain independently.

Depending on eligibility, organizations may benefit from:

• Access to preferred group purchasing arrangements
• Lower ancillary benefit premiums
• Enhanced benefit options
• Increased value for employees
• Streamlined administration
• Immediate opportunities to improve benefit costs instead of waiting for open enrollment

This isn't simply about reducing premiums.

It's about creating a smarter benefits strategy that allows organizations to take action when opportunities arise—not just once a year.

Every organization's situation is different, and eligibility varies by carrier and program. Our role is to evaluate your current benefits program, determine where opportunities exist, and build a comprehensive strategy that delivers greater value for your employees and your organization.

It's a different way of thinking. A proactive way of managing employee benefits. And it's the foundation of the S. Wolf Ancillary First™ approach.

Please feel free to reach out directly if you would like to discus this further.

Charlie Kosyla

773-870-5007

Charlie@swolfways.com