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Built By People Who Believe Benefit Plans Should Actually Perform
Built By People Who Believe Benefit Plans Should Actually Perform
Health Dividend 360 is the product of decades of work at the intersection of insurance innovation, healthcare analytics, and employer benefit design — with one central objective: helping benefit plans perform, not just pay claims.
James M. Knox
James M. Knox works at the intersection of insurance innovation, healthcare analytics, and employer benefit design with one central objective: helping benefit plans actually perform, not just pay claims.
His work focuses on building more accountable, transparent, and measurable benefit structures for employers, employees, providers, and plan sponsors. Rather than accepting the traditional limitations of insurance design, James focuses on identifying where benefit programs create friction, waste, confusion, or unnecessary cost — and then developing better models that are easier to understand, easier to administer, and more aligned with long-term outcomes.
James's primary areas of focus include dollar based dental, self funded health plan auditing, consumer directed healthcare accounts, and metabolic health measurement frameworks — including the Metabolic Health Index, Community Metabolic Health Index, and employer Metabolic Health Index.
James was born in Chattanooga, Tennessee, and has lived in Fort Myers, Baton Rouge, Pensacola, and now Tampa. Outside of work, he enjoys reading — often with a Clive Cussler novel nearby, along with historical biographies and business books — as well as hunting, fishing, and traveling with his wife and their son and daughter, often to the beaches of Florida.
Dollar Based Dental
A fundamentally different approach to group dental benefits — built around defined dollar tiers rather than procedure codes, fee schedules, and network restrictions. Simpler, more transparent, and designed for a world where providers are leaving traditional networks.
Self Funded Health Plan Auditing
Helping employers and plan sponsors evaluate self funded health plans, identify waste, and improve plan performance. Health plans should not simply process claims — they should be reviewed, measured, and held accountable.
Consumer Directed Healthcare Accounts
Extensive work with HSAs, FSAs, HRAs, ICHRAs, QSEHRAs, MERPs, and dependent care accounts — designed and administered to create meaningful value for employers and employees when structured properly.
Metabolic Health Measurement
Developer of the Metabolic Health Index (MHI), Community Metabolic Health Index (CMHI), and employer Metabolic Health Index (eMHI) — longitudinal frameworks that move beyond static claims analysis to evaluate health performance over time.
Eagles, Benefits by Design, Inc.
Eagles, Benefits by Design, Inc. is a boutique administrative services firm focused on solving employee benefit problems for employers. The company specializes in dental benefits, consumer directed healthcare accounts, COBRA administration, and customized benefit administration solutions — working with employers ranging from small groups to organizations with more than 30,000 employees.
Dedicated Service Representatives
Every client works with a dedicated service representative. No call centers, no phone trees, no rotating service teams — direct dial numbers and responsive follow-up from people who know your account.
Boutique Accountability
In a world where administrative services have become increasingly outsourced and automated, Eagles takes a different approach. Technology supports service — it does not replace it.
Employer-Scale Experience
Eagles works with employers ranging from small groups to organizations with more than 30,000 employees — including school boards, state governments, private companies, and public employers.
Results Driven
A track record of high customer satisfaction and measurable cost savings. The Eagles approach is built around loyalty, reliability, and problem-solving — with long-term client relationships as the measure of success.
Benefit Administration Solutions For Employers Of Every Size
Eagles helps employers solve benefit administration and plan design problems across a wide range of programs. The company's strength is its ability to understand the employer's challenge, design a practical solution, and administer that solution with accountability.
- Dental benefits
- Consumer directed healthcare accounts
- Health Savings Accounts (HSAs)
- Flexible Spending Accounts (FSAs)
- Health Reimbursement Arrangements (HRAs)
- Dependent Care Assistance Programs
- Individual Coverage HRAs (ICHRAs)
- Qualified Small Employer HRAs (QSEHRAs)
- Medical Expense Reimbursement Plans (MERPs)
- COBRA administration
- Customized employer benefit solutions
"Reduce waste, improve structure, and create measurable value."
Whether the issue is dental plan design, self funded health plan performance, consumer directed accounts, or metabolic health measurement, the focus remains the same. Employers today face increasingly complex benefit challenges — costs are rising, employees expect better service, providers are leaving networks, and traditional benefit models do not always meet the needs of modern workforces.
James's work is shaped by a combination of practical benefit experience, entrepreneurial problem-solving, and a belief that employers deserve better tools for managing healthcare and benefit costs. Health Dividend 360 is the expression of that belief applied specifically to the GLP-1 and metabolic health challenge facing large employers today.
If You And Your Employees Deserve The Best, Then You Need Eagles
If you are exploring new approaches to dental or health benefits, auditing a plan, improving benefit administration, or building more accountable healthcare strategies, James M. Knox and Eagles, Benefits by Design, Inc. are always open to a conversation.