What is a “Carve-Out” Plan — and How Can It Help Your Business?

You may have heard the term “carve-out” in conversations about group insurance—but what does it actually mean?

At Skillman Insurance, we often work with businesses that manage payroll through a third-party provider. Some of these companies offer bundled insurance packages. But when business owners want more personalized support—or better options—we can help carve out the insurance portion of the plan.

Here’s how it works:

• Your payroll stays the same – We don’t touch that.

• We become your health insurance agent – Giving you access to better service, smarter options, and local expertise.

• There’s no cost to switch – Your rates stay the same or improve, and there’s no added expense to work with us.

The result? You keep your systems in place while gaining a partner who treats your business like a priority—not a number. We handle the details, answer the questions, and simplify the process for you and your team.

Want to explore a carve-out option for your business? Let’s talk.