Employee Benefit Plans

Health care costs continue to rise.

Health care costs rose an average of 23% last year across the nation. It is projected that costs will continue to rise over the next 10 years at the same double-digit rate. Few companies can afford continued increases in their health care premiums. The Healthcare Reimbursement Arrangement plan is specifially designed to manage, control and reduce health care costs. The Healthcare Reimbursement Arrangement is perhaps the single most significant new program to come along in decades.

Reduce costs and provide employees with better benefits.

HRA's can reduce health care costs by as much as 50% while providing better benefits fo employees. Perhaps the greatest benefit of an HRA is that the plan can be designed to fit the specific needs of your company and provide the benefits that are important to you.

Customized Plans

1st Financial Strategies can customize an HRA plan that will fit your company's needs and desires. An HRA will save you money and provide benefits best suited to your business. 1st Financial Strategies' plan, called 1st MEDEX, allows employers to harness significant premium savings, while maximizing coverage and flexibility.

Discover what others already know, that there is a way to manage the high cost of health insurance, and that there are alternatives to inflexible HMOs andd PPOs. The way is 1st MEDEX. Call us toll-free at

888-775-8326 or e-mail us at firsttfinancial@qwest.net.

Reduce the cost of

employee health benefits by 20-50%!

You owe it to yourself to review this remarkable and innovative new program.

1st MEDEX

Designed to manage, conrol & reduce health care costs.

Experts project that 90%

of companies will be

using this plan within

the next 10 years.

What Employers are best suited for

1st MEDEX?

Virtually any Employer...

or at least one that wants more controll over

his insurance premium dollars as well as

providing intelligent coverage.

Small employers are as well suited for

1st MEDEX as larager ones, because

there is no minimum size employer

requirement.

The employers best fitting the 1st MEDEX

profile are those with relatively low turnover

and relatively good cash flow. The plan

conserves cash, but the employer's

budgeting discipline is a plus.

Contact us today for more information!

You can e-mail us at:

1st Financial Strategies

575 East 4500 South B105

Murray, UT 84107

(801) 269-8326

(801)263-1825 Fax

(888) 775-8326 Toll-Free

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