Employee Benefits Advisory · The Carolinas
Remedies for
Dysfunction.
The traditional broker model is designed to renew — not to fix. Remedy Advisors helps employers with 25–250 employees break the cycle, take control of their health plan, and build a strategy that actually works.
Where is your current plan overpaying?
Average annual savings per employee
when employers move to a structured strategy
Find what's costing you
Claims data review reveals cost drivers most employers never see
Get a graded assessment
See exactly where your plan ranks and what to fix first
Build a multi-year roadmap
Strategy designed around your data — not a carrier's proposal
The Problem
The traditional broker model is broken — and your costs are the proof.
Traditional fully insured plans increase 8–11% every year. Meanwhile, most employers renew the same plan, with the same broker, hoping this year will be different. It won't be.
The uncomfortable truth: Your broker earns more money when your costs go up. That's not advice — that's a conflict of interest dressed up as service.
Renewal increases become routine
Every year, costs go up. Every year, the broker brings a few options. Every year, you pick one and move on. There is no strategy — only reaction.
Employees feel the pressure
Rising premiums get shifted to employees. Deductibles climb. Networks shrink. Your best people notice — and some start looking elsewhere.
Leadership stays in the dark
Your claims data tells a story your broker has never shown you. You have no visibility into what's actually driving costs — or how to change it.
Why Remedy Advisors Is Different
Most brokers shop for insurance. We redesign the strategy.
Annual quotes shuffle the carrier deck but never fix the cost drivers underneath. A broker sells a product. An advisor sells a process. Here's what that difference looks like in practice.
per employee
in year one
specialize in
Our Process
Discovery first. Strategy always. Partnership year-round.
We don't make a single recommendation before we understand what's actually happening inside your plan. Every step is grounded in your data — not a carrier's proposal.
Discovery & Assessment
Claims data, utilization patterns, workforce demographics, and business goals. We read the story your plan is telling before we write a new one.
Strategy Design
Architecture first — self-funding, DPC, RBP, captives. We build the right framework before we ever evaluate a specific carrier or administrator.
Implementation & Education
Plan design, employee communication, HR technology, and compliance. We coach your team through every step — not just hand over a plan.
Ongoing Optimization
Quarterly performance reviews, claims monitoring, Rx management, and benchmarking. We don't disappear after implementation.
What We Believe
Three principles that drive every recommendation we make.
Benefits strategy isn't complicated once the conflicts of interest are removed. Here's the philosophy behind everything we do.
The Broker Model Is Broken
Traditional brokers profit when your costs go up. That's not advice — it's a conflict of interest. Employers deserve a partner whose success is tied to their outcomes, not their premiums.
Data Drives Decisions
We don't guess — we analyze. Your claims data tells a story most brokers never bother to read. Transparency isn't optional. It's the foundation of every recommendation we make.
Strategy, Not Products
Self-funding, direct primary care, reference-based pricing, captive arrangements — these are tools most employers have never been shown. The right strategy isn't the same for every company. We build yours from scratch.
About Joey Hall
41 years of experience. One mission: fix a broken system.
"I grew up in a trailer park. Our family was one bad medical event away from bankruptcy. I saw firsthand what it meant to have no safety net — and I never forgot it. That's why I do this work."
Joey Hall founded Remedy Advisors after more than four decades in employee benefits and healthcare finance — including serving as President of Hall Financial Group (acquired by CBIZ in 2005) and as Carolinas Market Leader at CBIZ through 2016. He holds one of the most comprehensive credential sets in the industry: CPA, CLU, RHU, CHVP, and REBC. He is also among a select group of advisors certified by Health Rosetta, a nationally recognized think tank of the country's top benefits advisors.
But credentials don't explain how Joey works. Coaching does. For 38 years — from middle school diamonds to four consecutive NC State Championship teams at Charlotte Christian School, to his granddaughter's 12U travel softball team today — Joey has coached at every level. He brings that same philosophy to every employer he serves: teach, coach, hold accountable, and win together.
Our Commitments
What you can hold us to.
We don't make a single recommendation before we understand what's actually driving your costs. Here's what that commitment looks like in practice.
Clarity Before Commitment
Discovery isn't a formality — it's the foundation of every strategy we build. We analyze your claims data before we ever suggest a solution.
Strategy Over Product
We build your benefits architecture from scratch — around your workforce and goals, not a carrier's shelf offering or a one-size-fits-all plan.
Transparency Over Convenience
We disclose how we're compensated. We share your claims data openly. We tell you the truth, even when it requires a harder conversation.
Long-Term Stability Over Short-Term Optics
We're not here to win your renewal and disappear. We're here to build a benefits program that performs — year over year, employee by employee.
Start Here
No obligation. No scare tactics. Just clarity.
The complimentary Plan Grader gives you a starting point before you make another major healthcare decision. Review your plan, get a grade, see a roadmap, and manage from there.
Complimentary for employers with 25–250 employees in the Carolinas
Review
We analyze your current plan structure, claims data, and cost drivers with no strings attached.
Grade
Your plan receives a grade across five dimensions — funding, transparency, cost, employee experience, and governance.
Roadmap
You receive a prioritized action plan — specific steps, in the right order, grounded in your actual situation.
Manage
For clients who move forward, we provide ongoing oversight — quarterly reviews, benchmarking, and year-round support.
Not Yet Ready?
Explore the strategy before requesting a Plan Grader.
If you are not ready to submit plan details yet, start with one of these resources.