eBenefits Group customers enjoy important financial/renewal assistance. · We're familiar with various fully insured rating models, such as community rating vs. adjusted community vs. experience · Self funded and fully insured underwriting and sales expertise · Breakdown of the various HMO financial models i.e.: What is capitation? Fee for Service?, PHO/IPAs, Provider risk pods, risk sharing? Additional negotiating leverage with carriers due to eBenefits size.