Scott Hettesheimer, Employer Healthcare Cost Reduction Consultant

The “Consulting Authority” in Advanced Benefit Design, ERISA fiduciary strategy, and employer consumed healthcare cost reduction — independent of every Legacy Insurance carrier, accountable to one Fiduciary standard.

Scott Hettesheimer has spent more than forty years building a practice defined by one standard: the CFO’s interest, documented through measured, evidence-based reporting, and defended. His work is published, the methodology is proprietary, and his shared savings compensation structure makes every other standard irrational. Employers who want that level of fiduciary clarity reach him directly (No Auto Attendants) at 513-661-7581 or at Scott@GroupBenefitExperts.com.

About Scott

Forty Years of Practice. Zero Carrier Contracts.

Scott Hettesheimer did not arrive at fiduciary independence as a positioning strategy. He arrived at it because forty years inside the employer benefits industry made the alternative untenable.

What Scott observed in legacy carrier economics was not a system designed to reduce employer costs. It was a system designed to sustain itself — through spread pricing, PBM rebate arrangements, administrative overrides, stop-loss structures that favored carriers, and a brokerage compensation model that tied advisor income to carrier volume rather than client outcomes. Renewal increases were not market inevitabilities. They were outputs of a structure that no one with carrier relationships had an incentive to dismantle.

That observation is what drove the development of Advanced Benefit Design Institute and, ultimately, the FiduciaHealth Governance™ model — a proprietary operating system for employer healthcare that replaces the renewal cycle with a governed, 100% transparent, fiduciary-aligned plan structure in which every vendor is independently selected, every cost layer is fully disclosed, and CFO authority over plan decisions is non-negotiable.

Scott earns no volume bonuses and receives no compensation from any BUCA carrier or affiliated vendor. His income is derived exclusively from 25% of documented savings — a structure that makes carrier independence both ethically required and financially rational.

Bottom-line, No savings, No compensation.

Scott's Credentials, and What They Mean for Your Plan

• NAHU CDHC Certified — Consumer-Driven Healthcare designation from the National Association of Health Underwriters; signifies advanced training in account-based plan structures, HSA-qualified designs, and consumer-directed benefit strategy.
• NAHU Self-Funded Plan Certified — Specialized certification in self-funded plan design, stop-loss structuring, and ERISA compliance under the National Association of Health Underwriters; the credential that directly governs the primary work of this practice.
• BBB Accredited, A+ Rating — Better Business Bureau accreditation with the highest available rating; independently verified for business integrity and client dispute history.
• HealthCare.gov 2018 and 2025 Elite Circle of Champions — Federal recognition for exceptional performance in employer and individual coverage placement under the ACA marketplace framework.
• Best of Cincinnati “Computer Software Services” — Local recognition of sustained service quality and client satisfaction in the Greater Cincinnati market.
• Amazon #1 Bestselling Author — Healthcare's C-Suite Solution
• Co-authored Employer's Guide to Medical Tourism Benefit Design, with Dr. Maria Todd, PhD, MHA
• Led the team that created the methodology behind the Advanced Benefit Design FiduciaHealth framework.
  

Two Proprietary Components. Forty Years in the Making.

The Fiduciary Risk Scoring Model™

This benchmarks an employer's current plan structure across funding models, vendor economics, stop-loss positioning, and PBM arrangements — producing a scored analysis of where fiduciary risk is concentrated and where recoverable spend exists. It is the analytical engine inside the Cost Modeling Report that every engagement begins with.

The FiduciaHealth Governance™ framework

This is the operating model that replaces what the scoring model exposes. It is a structured methodology for governing healthcare as a financial system — with quarterly CFO reporting, independent vendor selection protocols, and documented savings tracking built into every phase of the engagement.

The Hettesheimer reach

National Reach.

Cincinnati Roots.

Hettesheimer Insurance Agency is headquartered in Cincinnati, Ohio, and has served employers in the Greater Tri-State area for more than forty years. The Advanced Benefit Design framework operates nationally — ERISA federal preemption enables a single, uniform self-funded plan design to function consistently across 37-plus states, administered under federal law rather than state insurance mandates.

Employers in Greater Cincinnati and across Ohio, Kentucky, and Indiana benefit from hands-on proximity. Employers nationally benefit from the same framework, the same fiduciary standard, and the same consultant.

What Sets BeManaged Apart

Fiduciary by Design

As a federally registered investment advisor, we are legally required to act in your best interest — and we built the firm around that commitment.

Fee-Only Structure

BeManaged does not accept commissions or sell insurance or annuities. Compensation comes directly from the clients we serve.

Experienced Leadership

Co-owned by Jay Jandasek and Jon Whaley, the firm continues a legacy of disciplined planning and steady guidance in West Michigan.

Credentialed Investment Oversight

Team credentials, including CFA designation, reflect a depth of analytical training and investment discipline.