Ben Bohonowicz exemplifies health plan excellence and stewardship.

Health Rosetta recognizes the top health plans in America at the annual Rosie Awards. The Rosie Awards recognize high-value, low-cost health plans from employers and unions across the U.S.

Rosie Award winners are chosen from plans recommended by benefits advisors, solution providers, or clinical leaders who meet two important criteria: a high Plan GraderTM score and excellent use of their Health Rosetta Dividend.

The Plan Grader™ is the first comprehensive independent plan assessment to measure and improve your health plan strategy. Plan Grader is an independent 360° health plan risk assessment that provides actionable insights to create an effective 2-3 year strategy to lower costs and improve benefits. Plan Grader is built on the Health Rosetta’s eight components that have been modeled on the successes of hundreds of high-performance plans. Employers and unions can evaluate how their health plan benchmarks to other employers or union plans adopting a Health Rosetta-style health plan. Reach out to Ben Bohonowicz to get your Plan Grade today.

Health Rosetta Dividend refers to the well-documented over $1 trillion of industry waste that can be reinvested back into an organization or community to improve wellbeing and build the foundation to restore the American Dream. Examples of Health Rosetta Dividend reinvestment include free college education, advanced primary care services, free or subsidize healthy food, pay increases, Dream Manager, $0 medications, or other tangible improvements that have a direct impact on the health and wellbeing of their workforce, dependents, and communities.

Ben Bohonowicz

Ben Bohonowicz

Director of Client Services

Employee Benefit Services of Maryland, Inc.
ben@ebs-md.com
443.438.1168

Health Rosetta Advisor since 2018

Ben is a Partner and Director of Client Services for Employee Benefit Services. Ben’s role is to support organizational growth by providing strategic client direction, building new relationships and maintaining existing client relationships. He specializes in creative funding solutions that incorporate innovative tools to make healthcare more efficient and cost effective. He is consistent with current trends and legislation that influence costs in the healthcare industry. Ben is licensed in Life & Health and is a Life & Health Advisor. As of July 2015, he is a Certified Healthcare Reform Specialist®. Ben has been featured in industry publications, including BenefitsPro, surrounding technology, non-insurance employee perks, voluntary products, and other various topics in the benefits arena.

ASM was one of the inaugural Health Rosetta Rosie Award winners. They consistently serve as references for prospects considering coming to our firm and implementing a similar plan. ASM meets with current clients who are considering implementing a high-performing plan.

  • Industry: Information Technology/Services
  • # of Employees: 16
  • Location: Virginia

ASM has created the Shared Savings Program that provides three tangible ways an employee can benefit from being a smart healthcare consumer:

  • Reducing employee contribution increases: ASM has held employee contributions flat for five of the last six plan years.
  • Reducing employee contribution increases: ASM has held employee contributions flat for five of the last six plan years.
  • Cash Incentives: Since 2021, ASM has provided more than $300,000 in cash incentives to members who make smart healthcare decisions.
  • ASM provides free virtual primary care, free Centers Of Excellence Program access through Edison Health, free infusions through Optimed, free diabetic supplies through Diathrive, and free maintenance medications through Halo Scrips. ASM also provides a $1,500 Health Fund through Garner that helps members cover deductibles, copays, and coinsurance by seeking care from local, high-quality providers.
  • TPA: CareFirst Administrators
  • PBM: SouthernScripts
  • Stoploss: Tokio Marine HCC
  • PrimaryCare: Eden Health
  • Individual Stewardship: Blue Card PPO
  • Other Solutions: HaloScrips, Garner Health, Edison Health, OptiMed, Renalogic, Diathrive
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Rosie Awards Winner Sticker

FTS International has consistently served as a reference for us and are willing to participate in employer education sessions to tell their success story.

  • Industry: Engineering Services
  • # of Employees: 265
  • Location: Virginia

FTS has reinvested their health plan dividend into a wellness program and has lowered employee deductibles. The company has also minimized employee contribution increases based on the plan’s performance. The company offers cash incentives for employees who join the HaloScrips program.

  • TPA: Meritain Health
  • PBM: Liviniti (Formerly Southern Scripts)
  • Stoploss: Exchange
  • PrimaryCare: N/A
  • Individual Stewardship: Aetna PPO
  • Other Solutions: Meritain Health; Employee Benefit Services of Maryland, a Division of RCM&D
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Gable has served as a reference for us many times. They've spoken to their business colleagues about our health plan management and that support has created opportunities for us. Gable is very willing to share their story among members of the business community.

  • Industry: Signs & Advertising Displays
  • # of Employees: 150
  • Location: Maryland

Gable has held employee contributions flat for multiple years. The company provides free telemedicine, imaging, outpatient procedures, and maintenance medications. They provide a cash incentive for members who join HaloScrips.

  • TPA: N/A
  • PBM: Liviniti (Formerly Southern Scripts)
  • Stoploss: Sun Life
  • PrimaryCare: N/A
  • Individual Stewardship: lue Card PPO; KIsx Card
  • Other Solutions: Carefirst Administrators; Employee Benefit Services Of Maryland A Division Of Rcm&D; Optimed Health Partners; HaloScrips; MD Live
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Horizon Goodwill recently won the Health Plan Hero award. Horizon also recently built a health hub that includes a non-profit grocery store and medical, dental and mental healthcare for community residents.

  • Industry: Job Training & Vocational Rehabilitation Services
  • # of Employees: 500
  • Location: Maryland

$250 deductible on medical services. 100% employer paid DPC membership. Dental and vision premiums now covered at 100%. Employee contributions have been flat since 2018 at $40/Pay. Other dividends include no cost sharing for all DPC services, including ancillary services such as labs, medications, X-rays, and imaging. Free maintenance generic brand and specialty medication are available through a concierge pharmacy. A cash incentive of $500 is available to employees who join HaloScrips.

  • TPA: The Jp Farley Corporation; Lucent Health Solutions
  • PBM: Liviniti (Formerly Southern Scripts)
  • Stoploss: East Coast Underwriters (Ecu)
  • PrimaryCare: N/A
  • Individual Stewardship: Valenz Health; First Health; Optum Transplant Solutions
  • Other Solutions: Highlight Health; Valenz Health; Health Rosetta; Employee Benefit Services of Maryland, a division of RCM&D; Optimed Health Partners; HaloScrips
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Rosie Awards Winner Sticker

OC serves as a reference for us and is proud of the benefits they offer.

  • Industry: Land, Mineral, Wildlife, and Forest Conservation
  • # of Employees: 160
  • Location: DC

Ocean Conservancy has held employee contributions flat for many years. The organization has a very rich plan design with $100/$300 deductibles. OC has reinvested the savings into lower copays and recently introduced a QHDHP and funds $1,200/$2,400 of the $1,600/$3,200 deductible. They pay 100% of costs of a virtual primary care platform.

  • TPA: N/A
  • PBM: N/A
  • Stoploss: N/A
  • PrimaryCare: N/A
  • Individual Stewardship: Blue Card PPO
  • Other Solutions: N/A
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  • Industry: Business Consulting Services, N.E.C.
  • # of Employees: 100
  • Location: Maryland

RPI used its savings from the first year to bring on First Stop Health's virtual primary care, urgent care, and mental health services.

  • TPA: N/A
  • PBM: N/A
  • Stoploss: N/A
  • PrimaryCare: N/A
  • Individual Stewardship: Blue Card PPO
  • Other Solutions: N/A
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The group has participated in Maryland Central Chamber meetings to advocate for these types of plans and their advantages. The group has opened a mental health clinic to support the community. Arc of Central Chesapeake Region shares their experience with other Arc organizations and consistently posts on social media to report their positive experiences with their health plan.

  • Industry: Residential Care
  • # of Employees: 500
  • Location: Maryland

They've reduced their employee contributions and now have a $0 medical deductible. They provide Modern Health and lab testing at no charge. They provide members with HaloScrips cash incentives to join the program and have started contributing to their dental plan. The organization also increased their life insurance amounts for employees.

  • TPA: N/A
  • PBM: Liviniti (Formerly Southern Scripts)
  • Stoploss: Tokio Marine HCC
  • PrimaryCare: Modern Health
  • Individual Stewardship: Blue Card PPO
  • Other Solutions: N/A
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