About Us

We are the "Health Care Benefit Delivery Solution Designer," devoted to your success. We help you become the Premier Healthcare Expense Reduction Expert in your market. Differentiating forward thinking Brokers, actually solving employers benefit affordability and compliance issues. New and different strategies, high-performance results, delivered with evidence-based measured reporting.

Devoted to Broker Success

We collaborate with other exceptional companies, partnering to deliver enviable results from new approaches. We vet all products and technology, delivering better financial and clinical outcomes in healthcare and occupational health. 


About Scott Hettesheimer

Mr. Hettesheimer is a "Master" in custom-crafted, safe, LEVEL FUNDED, MINIMUM FUNDED, MAXIMUM FUNDED Traditional and Captive self-insured solutions. Our cost containment tools and tactics are the best available in the country. We are a collaborative group of professional entrepreneurs fixing healthcare benefits and controlling cost. We are an information technology management solutions innovators. Applying a systemic approach to healthcare management strategies, level funded self-insured contracts and performing population health management, and healthcare consulting of all aspects of employee benefits. We can become your “Outsourced HR” benefit partner. Our solutions significantly lower healthcare spending and improve all members "State of Health;" initiating a change of culture to begin eliminating healthcare need. Increased benefit satisfaction, retention, and attracting talent.

GAR is a National, Boutique Healthcare Benefits Solution vendor, offering every variation of Self-insurance, alternative funding and cost containment. Our business is conducted to a Fiduciary Standard and all service is classified as “concierge.”

Our focus is on the ERISA Self-Insured market, beginning at 25 covered employee lives. We are experts in crafting benefits to match employer’s culture; all alternative funding concepts, Networks, and Reference Based Pricing integration. We have all the “Next Generation” administration, services and products. 80% of group health solutions are now self-insured! The number is increasing.

We are a National group of private entrepreneurs; Advanced Benefit Design Institute, solving the U.S. health-care crisis today for employers like yourself. Insurance companies, Networks, and Pharmacy Benefit Managers are the problems.
We understand:

  • The minutiae of an insurer
  • Crisis management
  • Risk management
  • Regulation hurdles
  • Technology
  • Drug pricing abuse
  • Stop loss coverage
  • Claim adjudication
  • Networks and contracting
  • Benefit satisfaction

Reducing drug spending up to 30%... Reducing hospital spending up to 35%...Eliminating networks!
3 steps to keep small group health plans afloat:

  • Get out of the community pool – stop paying other groups’ catastrophic medical bills
  • Enjoy your own private pool – pay only for the medical care your members use
  • Stay out of the deep end – pay as little as necessary for the quality care your members need

“Next Generation” healthcare solutions are available today! Crafted to improve your bottom line and increase benefit satisfaction and outcomes!

We have fully insured alternatives to Anthem, BCBS, Humana, United Healthcare and all another current fully insured offerings. 2 to 50 employee sized groups.

I’m Scott Hettesheimer, a 41-year veteran in healthcare delivery. I have earned a reputation for self-funding expertise, leading-edge technology, cost containment, and legendary customer care. GAR is small enough that we know our contacts by name, yet we are part of large A+ (Superior) health insurance groups, providing deep resources. Contact me on my direct line at 513-661-7581 to arrange a time to learn more. Your renewal is monthly, start reducing your spending immediately!


Schedule a Call with Scott Today!

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We Always Try to Create a Difference

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