The Equinox Agency Joins Gallagher

We help employers design and manage health plans that deliver real value. From fully insured to self-funded and captive models, we guide you through every option to reduce costs, improve transparency and boost employee satisfaction. Our data-driven strategies and high-touch service ensure your benefits work harder — for your people and your bottom line.

Highlights:

• Flexible funding models: Fully insured, self-funded, ASO/level-funded, consortium, captive and reference-based pricing
• Cost control: Proven strategies to reduce specialty drug spend, manage high-cost claims and eliminate hidden fees
• Actionable insights: Real-time reporting and benchmarking to optimize plan performance

We deliver targeted cost-containment strategies that help employers manage high-cost claims, reduce prescription spend and improve plan performance. From specialty drug carve-outs to chronic condition management, our initiative-taking, data-driven approach ensures long-term savings and better employee outcomes. We treat your healthcare spend like any other business expense — with transparency, precision and results.

Highlights:

• High-cost claim mitigation: Advocacy-based programs to manage complex cases and avoid financial surprises
• Prescription drug savings: Manufacturer assistance and pharmacy benefit manager (PBM) carve-outs that save employers hundreds of thousands annually
• Chronic condition management: Point solutions for diabetes, surgeries and other high-risk claims
• Plan modeling and insights: Year-over-year cost forecasting and financial positioning tools

We deliver direct support and education helping your team understand and use their benefits effectively. From live chat and mobile tools to one-on-one guidance, we simplify the experience and reduce confusion — leading to lower plan utilization and real cost savings. Our 12-month service calendar and a dedicated care team ensure every employee gets the help they need when they need it.

Highlights:

• Full-service support: Claims, enrollment, eligibility and tech issues managed directly — no carrier calls required.
• 24/7 access: Live chat and mobile app for instant answers and appointment scheduling.
• Plan education: Programs that steer employees to lower-cost, higher-quality care.
• Fast response: 4-hour reply time, 24-hour issue resolution.