Consumer Trust Level in Health Plans
Trust in Healthcare at an All Time Low
Trust among key stakeholders in health care and the consumers they serve — Out of 100%
Source: 11th Annual ReviveHealth Trust Index™
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Our Philosophy
The Level 3 Employer: Better Care
Smarter Spend, Stronger Culture
When I started Level 3 Benefit Advisors, I was driven by a simple idea: benefits only make a real difference when employees are empowered to navigate healthcare with clarity, confidence, and support—not just handed a glossy benefits guide on their first day.
I was inspired by Jim Collins’ concept of the Level 5 Leader in Good to Great—a leader who blends humility with fierce resolve. It struck me that this same potential for transformation wasn’t just true for individuals, but for employers as well. That insight became our mission: to help employers evolve into Level 3 Employers—organizations that rise above the ordinary and become truly exceptional in how they care for their people.​
My time as a senior executive at several large benefit brokerages revealed to me, again and again, the difficult realities employers face. Over the years, I’ve seen employers at every stage. Level 1 Employers view healthcare as an unavoidable cost of doing business, leaving them stuck in a reactive cycle. Level 2 Employers take a smarter approach: they study claims, launch wellness programs, measure ROI, and invest in educating employees. Too often, they pause right before the most important part: helping employees navigate healthcare confidently.
We honor God by creating employee benefit plans that are engaging, exceptional, and unforgettable.
Our Mission.
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Our Purpose
​We Bring Intense Focus to Your Benefits Strategy
Tom McGaffic
Founder, Managing Partner
954.290.7706
This is where Level 3 Employers elevate the standard of care. They recognize that employees often feel overwhelmed by the complexity of healthcare, and they refuse to let them face it alone.
Level 3 was founded on this truth: ROI isn’t just measured by successful benefit renewals. It’s unlocked when employers move to create true health confidence, with employees supported and guided—not left to navigate healthcare alone, but given the confidence to find the right care, the right providers, and the right answers every time.
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We turn overlooked and undervalued benefits into personalized, culture-defining assets. Better Care, Smarter Spend, Stronger Culture—these are the principles of a Level 3 Employer.