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HIPSON INVESTMENTS
Employee benefits · Houston
Est. 1996
Group health insurance
has changed.
If your company has renewed the same fully-insured plan year after year, there may be options in the Houston market you have never been shown. A brief review tells you either way — and it costs nothing.
1996Houston practice, same owner
350+Companies served
Same dayYou hear back. Every time.
What is different now
01
Level-funded plans
A middle-ground structure: fixed monthly cost, clearer reporting, and money back to you in a year when claims run well.
02
Reference-based pricing
A way to lower what the plan pays for certain services, with someone your employees can actually call when a bill looks wrong.
03
A broker who does the work
Strategy, employee education, benefits administration, carrier coordination and HR/payroll guidance — not a forwarded renewal letter.
Before your next renewal, ask
01Have we compared fully-insured, level-funded and cost-containment options — with our own numbers in them?
02Are employees getting clear guidance so they can use the plan and avoid unnecessary costs?
03Do benefits, payroll, HR and the carrier systems actually talk to each other?
04Is our broker driving strategy — or just forwarding renewal paperwork?
One free check. Takes about three minutes.
Point your phone camera at the square. Nothing is stored unless you ask us to follow up.
Employers:
free ACA review
Are you an Applicable Large Employer — and does the IRS know? Most employers cross the 50 full-time-equivalent line on variable-hour staff without noticing.
hipsoninvestments.com/go/aca
H
HIPSON INVESTMENTS
One brand · All solutions
281.493.6862
The right plan is only
where the work starts.
Employers do not need a quote once a year. They need someone who implements it, explains it to staff, administers it, and answers the phone in March when something breaks.
Where we help your team
01Benefits administration
Experience across the major platforms and enrollment workflows — HR & P, ADP, iSolved, Paycor, Insperity, Employee Navigator, UKG and more.
02Payroll and HR guidance
Payroll deductions, eligibility rules, waiting periods, contribution strategy, HR handoffs and carrier/payroll coordination.
03Education and enrollment
Clear communication for new hires, paperless open enrollment, and ongoing support so employees understand what they actually have.
04Service work, year-round
Adds, terms, employee changes, dependent updates, billing questions, ID cards, claims escalation and carrier follow-up.
Retirement plans — 401(k)
Plan design & fee analysis
Safe Harbor / QACA, new comparability and age-weighted testing, cash balance plans, deferred compensation. Annual investment and fee review, benchmarked against comparable plans.
Service & fiduciary process
Retirement readiness, employee communication, participant support. Fiduciary responsibilities, an annual checklist, 3(21)/3(38)/3(16) options and documented ongoing process.
Families — autism and ABA coverage
A plan that says it covers ABA therapy and a plan that pays for it at the hours a treatment plan prescribes are two different things — and you cannot tell which one you have from a benefits summary. We read denial letters, file the appeals, and place individual coverage for families whose group plan will not do the job. That work started with one family and now runs alongside a dozen Texas clinics.
Start with a review, not a sales call.
Five questions, about a minute, and a licensed advisor replies the same business day.
Free plan review
Employee count, how the plan is funded, when it renews, and what stings most right now. No obligation and no cost.
hipsoninvestments.com/go/review
Or just call.
Michael Hipson or Justin Boulet, 2000 S Dairy Ashford, Ste 360.
281.493.6862
Michael E. Hipson offers securities and investment advisory services through Ameritas Investment Company, LLC (AIC), Member FINRA/SIPC, and Ameritas Advisory Services (AAS). AIC and AAS are not affiliated with Hipson Investments. Representatives do not provide tax or legal advice. This material is for general information only and is not a recommendation, an offer, or a promise of any particular outcome. Coverage for ABA therapy depends on your specific plan, plan type and state; no appeal outcome is typical or guaranteed. Penalty and threshold figures change annually — confirm current amounts with your own counsel, auditor or third-party administrator.