Your Plan Looks Fine on Paper. Find Out What Happens at Claim Time.

The Domino Benefits Blueprint identifies the 3 coverage gaps quietly costing you employees, money, or both. Specific findings for your plan. Free • No credit card • Delivered in under 5 minutes

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Most small-group health plans look fine on paper but hide costly holes that only show up after a claim — when employees face medical bills, missed pay, or denied services. Employers often overspend 12–18% annually because carrier lock‑in and plan design quietly shift costs onto the company and your people.

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The Domino Benefits Blueprint by Michelle Salinas
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The 3 Coverage Gaps

Most employer health plans look fine on paper. They fail in three specific places at claim time — and by the time the failure surfaces, you've usually already lost an employee, paid an avoidable claim, or watched premiums climb without understanding why. These gaps don't appear at renewal. They don't show up in the comparison spreadsheet. Most brokers don't surface them because they aren't paid to. But they're there in nearly every plan I audit — including, very likely, yours.

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The 3 Gaps

Gap #1: The Phantom Network

Your directory promises 30 in-network providers within 25 miles. In reality, only a handful are accepting patients, responding to calls, or available in reasonable time frames. Especially severe for mental health, specialists, and after-hours care — and especially severe in rural markets.

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Gap #2: The Specialty Drug Tier Surprise

Your formulary looks fine — until an employee is prescribed a GLP1, biologic, or other specialty medication and discovers the real cost at the pharmacy counter. Often $400–$800 per month out of pocket. The result: skipped prescriptions, worsening conditions, quietly job-searching employees.

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Gap #3: The First-Dollar Care Vacuum

A high deductible doesn't just mean employees pay more for care. It means they skip care. Skipped care becomes claims. Claims drive next renewal's premium. The cycle compounds invisibly until your team starts leaving.

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What the blueprint delivers

In under 5 minutes, the Blueprint shows you: → Which of the 3 gaps most likely exist in your current plan (specific, not generic) → Estimated cost impact at your team size → A clear set of next steps — no obligation → The structural fix that closes the gaps without changing your healthcare plan Plus a follow-up email with a saved copy of the findings so you can share with your CFO, HR lead, or leadership team. Built for: → CEOs and Executive Directors of businesses or nonprofits with 10–200 employees → Owners and leaders who want a clearer answer than "shop your coverage" at next renewal → Anyone watching premiums climb and good people leave, and wondering if the two are connected

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The Domino Benefits Blueprint by Michelle Salinas
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Michelle Salinas

About Michelle

I'm Michelle Salinas — licensed bilingual group benefits broker, NM-based, with 20 years of prior business consulting experience helping people-first CEOs and Executive Directors build the structures that retain talent without overspending. Stewardship, not selling. The Blueprint is genuinely free. The follow-up call is genuinely no-pressure. The work I do has to make sense for you, or it doesn't make sense at all. Credentials: Licensed Life, Health & Accident Insurance Producer (NM + TX) | Six Sigma Green Belt | Scrum Master Certified | Certified Leader | Bilingual EN/ES

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