--- title: Case Study | Rebuilding Trust in Ancillary Benefits | Novaura description: Novaura transformed a Central Texas car dealership's ancillary benefits, increasing employee participation by 30% and rebuilding trust through enhanced value. image: https://novaurains.com/hubfs/AdobeStock_1600344567.jpeg --- [![Novaura](https://novaurains.com/hs-fs/hubfs/Novaura%20Logos/01819-Novaura-Logo-NoTag-CC.png?width=250&height=39&name=01819-Novaura-Logo-NoTag-CC.png "Novaura")](https://novaurains.com?hsLang=en) - [Home](https://novaurains.com) - Services - [Benefits & HR](https://novaurains.com/services) - [Case Study: Increased participation by 30%](https://novaurains.com/case-study-rebuilding-trust-in-ancillary-benefits-novaura) - [Case Study: Avoiding 120% Rate Increase](https://novaurains.com/case-study-employer-saves-over-221000-in-benefits-spend-novaura) - About - [About us](https://novaurains.com/about-us) - [Our journey to Novaura](https://novaurains.com/our-journey-to-novaura) - Resources - [Blog](https://novaurains.com/blog) - [Guide: Self-funding 101](https://novaurains.com/self-funding-101-a-beginners-guide) - [Contact](https://novaurains.com/contact) [![](https://novaurains.com/hs-fs/hubfs/Novaura%20Logos/01819-Novaura-Logo-NoTag-CC.png?width=200&height=31&name=01819-Novaura-Logo-NoTag-CC.png)](https://novaurains.com?hsLang=en) [![01819-Novaura-Logo-NoTag-CC](https://novaurains.com/hs-fs/hubfs/Novaura%20Logos/01819-Novaura-Logo-NoTag-CC.png?width=300&height=47&name=01819-Novaura-Logo-NoTag-CC.png "01819-Novaura-Logo-NoTag-CC")](https://novaurains.com?hsLang=en) - [Home](https://novaurains.com) - Services - [Benefits & HR](https://novaurains.com/services) - [Case Study: Increased participation by 30%](https://novaurains.com/case-study-rebuilding-trust-in-ancillary-benefits-novaura) - [Case Study: Avoiding 120% Rate Increase](https://novaurains.com/case-study-employer-saves-over-221000-in-benefits-spend-novaura) - About - [About us](https://novaurains.com/about-us) - [Our journey to Novaura](https://novaurains.com/our-journey-to-novaura) - Resources - [Blog](https://novaurains.com/blog) - [Guide: Self-funding 101](https://novaurains.com/self-funding-101-a-beginners-guide) - [Contact](https://novaurains.com/contact) [![](https://novaurains.com/hs-fs/hubfs/Novaura%20Logos/01819-Novaura-Logo-NoTag-CC.png?width=200&height=31&name=01819-Novaura-Logo-NoTag-CC.png)](https://novaurains.com?hsLang=en) - [Home](https://novaurains.com) - Services - [Benefits & HR](https://novaurains.com/services) - [Case Study: Increased participation by 30%](https://novaurains.com/case-study-rebuilding-trust-in-ancillary-benefits-novaura) - [Case Study: Avoiding 120% Rate Increase](https://novaurains.com/case-study-employer-saves-over-221000-in-benefits-spend-novaura) - About - [About us](https://novaurains.com/about-us) - [Our journey to Novaura](https://novaurains.com/our-journey-to-novaura) - Resources - [Blog](https://novaurains.com/blog) - [Guide: Self-funding 101](https://novaurains.com/self-funding-101-a-beginners-guide) - [Contact](https://novaurains.com/contact) # Rebuilding trust in ancillary benefits through smarter plan design How Novaura, a Central Texas benefits broker, helped an employer improve participation, perception, and value Case Study ## About the organization A car dealership in Central Texas that employs 100+ people. The workforce includes a mix of hourly and salaried employees across a wide range of ages and income levels, making benefit affordability, clarity, and usability especially important. --- #### Where the organization started For several years, employees had grown dissatisfied with their worksite and disability benefits. While coverage was available, employees didn’t see value in the benefits offered. Ancillary benefits were intended to provide financial protection and peace of mind. Over time, however, they became a source of frustration rather than confidence. - Premiums felt expensive - Claims were difficult to navigate and file - Benefit payouts were perceived as average - Participation across worksite, life, and disability plans lagged, making employees skeptical to enroll ## The challenges As a result of this dissatisfaction, the employer faced several challenges. Employee participation in ancillary benefits remained low, despite the availability of coverage. At the same time, the cost of the plans did not align with employees’ perception of value. The employer wanted to improve benefit offerings, increase participation, and deliver better value to employees. Any change needed to be  handled carefully to avoid disrupting existing coverage or creating additional complexity for employees. The challenge was to identify a better approach to ancillary benefits that addressed employee concerns while maintaining continuity and stability. ## The solution Novaura focused on improving both the real and perceived value of the benefits. This approach allowed the employer to enhance benefit quality and affordability while protecting employees from unnecessary change-related issues. 1 Analysis Novaura worked with the client to evaluate the existing ancillary benefits through the lens of employee experience, employee satisfaction, financial efficiency, and long-term sustainability. 2 Carrier optimization A new carrier partner was selected based on stronger benefit payouts, clearer plan design, and a more guided claims experience that reduced confusion for employees. 3 Experience To ensure continuity and minimize disruption, most enrolled employees were grandfathered into the new program. 4 Edge cases For the small group that needed to maintain existing coverage, individual policy transfers and direct-pay arrangements were implemented to preserve coverage and avoid gaps. ## Results The updated ancillary benefits delivered meaningful outcomes for both employees and the organization. - Enrollment across worksite, life, and disability benefits increased by 30 percent. - Employees gained access to higher guaranteed issue amounts for life insurance while seeing average premium reductions of 23 percent. - Benefit payouts also improved, with benefits paid averaging 15 percent higher than under their previous carrier. - Employee perception changed. After years of not being satisfied with their benefits, employees expressed renewed confidence. Lower premiums, clearer plan design, and an easier claims experience helped rebuild trust and engagement across the workforce. ### Employer Moves Benefits From a 120% Rate Increase to Over $221,000 in Savings [Read the case study](https://novaurains.com/case-study-employer-saves-over-221000-in-benefits-spend-novaura?hsLang=en) ### Let's talk about your business goals. We're here for you! [Let's talk](https://novaurains.com/contact?hsLang=en) ![](https://novaurains.com/hubfs/Novaura%20Logos/01819-Novaura-Logo-NoTag-WH.png) Novaura builds stronger businesses by giving you solutions that go above and beyond the usual numbers and quotes. With our solutions-based benefits approach, you'll be able to invest in your employees and meet everyone’s needs—and then some. [Follow us on Facebook](https://www.facebook.com/NovauraIns/) [Follow us on LinkedIn](https://www.linkedin.com/company/novaura) - RESOURCES: - [Read the Blog](https://novaurains.com/blog) - [Effective Onboarding Checklist](https://novaurains.com/effective-onboarding-checklist) - [Guide: Self-Funding 101](https://novaurains.com/self-funding-101-a-beginners-guide) - [Case Study: Increased participation by 30%](https://novaurains.com/case-study-rebuilding-trust-in-ancillary-benefits-novaura) - [Case Study: Avoiding 120% rate increase](https://novaurains.com/case-study-employer-saves-over-221000-in-benefits-spend-novaura) **GET IN TOUCH:** ###### Novaura 718 S. 17th St. Temple, TX 76504 Phone: (254) 791-8221 Copyright © 2025 Novaura [Privacy Policy](https://novaurains.com/privacy-policy?hsLang=en)  | Designed by [Q4intelligence ](http://q4intel.com) ```json { "@context" : "https://schema.org", "@id" : "https://novaurains.com/#organization", "@type" : "InsuranceAgency", "address" : { "@type" : "PostalAddress", "addressCountry" : "US", "addressLocality" : "Temple", "addressRegion" : "TX", "postalCode" : "76504", "streetAddress" : "718 S. 17th St." }, "alternateName" : "Texas Benefit Alliance", "areaServed" : [ { "@type" : "State", "name" : "Texas" }, { "@type" : "City", "name" : "Dallas" }, { "@type" : "City", "name" : "Austin" } ], "contactPoint" : { "@type" : "ContactPoint", "areaServed" : "US", "availableLanguage" : "English", "contactType" : "customer service", "telephone" : "+1-254-791-8221" }, "description" : "Novaura is an employee benefits and insurance agency based in Temple, Texas, serving businesses throughout the Dallas and Austin area. Formerly Texas Benefit Alliance, the agency helps companies design and manage group health insurance, self-funded health plans, and ancillary benefits while controlling healthcare spend and simplifying HR administration and compliance. 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