FHMC: One critical factor in establishing small business healthcare premium rates are previous year healthcare claims. FHMC can drastically reduce your healthcare claims in deliberate ways. First, our concierge medicine model doesn’t “ping” the insurance companies with claims for co-pays, visits, or deductibles. Second, we have complementary preventative healthcare programs resulting in healthier, happier, and more productive patients/employees. Furthermore, health insurance companies are motivated to work with concierge medicine practices to lower their claim processing overhead to motivate healthier clients.