Case Studies

Classic Auto Group

Auto Dealer

At a glance

Classic Auto Group
Auto Dealer
Grapevine, Texas

Classic Auto Group of Texas is the largest Chevrolet dealer in the U.S. The family-owned group has 20 dealerships throughout Florida, Oklahoma and Texas, with a total of about 1,800 full-time employees.


Bently Durant, Chief Operating Officer and General Counsel of the Classic Auto Group, remembers 2015 as the year that changed everything for Classic Auto’s health plan journey.

“With annual increases of 30%, it was at that point that we realized if we didn’t do something, by 2018 we wouldn’t be able to offer healthcare to our employees anymore.”

Classic Auto Group was a fully insured company with plenty of traditional carriers to choose from.

But by 2015, Classic Auto started seeing fewer and fewer health plan options in the marketplace. “We got down to only a handful and some of them wouldn’t bid us each year,” said Durant. “Our only way forward was to make the deductibles more and more unaffordable just to be able to offer healthcare benefits.”

More savings, more benefits

Listen to Bently Durant talk about how ELAP helped his company and his employees reduce healthcare costs while expanding benefits and coverage.


Knowing they wouldn’t be able to survive with upward of 30% increases from the remaining big box carriers, Classic Auto Group dove into researching options for how to structure a health plan.

Despite a healthy skepticism of RBP, one of its founding philosophies struck close-to-home for Durant: the best time to negotiate is before you buy.

Classic Auto Group made the decision to become self-insured with an RBP solution, and expectations and enthusiasm were high when they chose their first RBP vendor.

According to Durant, provider negotiations are an attractive element of some RBP solutions, but at the end of the day “the job didn’t get done” with the previous RBP provider. “The calls weren’t made, and the negotiations never happened, and the claims went unpaid and everyone was unhappy.”

That’s when Classic Auto knew they had to try out the solution they learned everyone else in the marketplace was using: ELAP Services.


TOTAL SAVINGS ~$3.2 million using reference-based pricing
EMPLOYEE PREMIUM INCREASES $0/Year for three consecutive years
OUT-OF-POCKET COSTS 50% lower for provider partners

Since moving to ELAP in 2020, Classic Auto has saved 31% in healthcare costs versus a fully insured plan. They’ve also kept their healthcare expenses flat for three years straight, a point Durant emphasized.

Classic Auto’s employees now have out-of-pockets and deductibles that are “much more reasonable in today’s dollars.”

Durant credits the added feature of easy access to provider partners with cutting deductibles in half. ELAP offers affordable quality care through direct partnerships with more than a dozen health systems across the nation, which employees greatly appreciate according to Durant.

“They walk into a provider partner and everything goes smoothly from that point.”

The experience

“We were promised all of the bells and whistles that came along with the ELAP program, including the concierge navigation services on the front and back ends, but with our prior carrier we were getting neither. That was why we moved over, for the lack of services,” explained Durant.

Now, with ELAP’s care navigation, Classic Auto can structure their benefits so their members have someone available to help them make an informed decision that is financially beneficial for both the member and the dealership.

ELAP’s Client Relationship Management (CRM) team provides five-star support that helps the plan succeed, including active involvement with Classic Auto’s HR people. Perhaps Durant summed it up best with this comment:

“It just seemed like y’all knew how to get it done. I don’t know if it was processes or expertise or relationships built over time, but y’all knew how to get it done, and you did.”

The bottom line

After shifting to self-funding, moving to RBP and taking a detour with a different vendor, Durant has sage advice for other employers.

“I figured out that RBP is a viable alternative, and it may be the only viable alternative going forward unless the healthcare system is reformed,” said Durant. “And from my experience, especially having tried a different vendor first, I think ELAP is the most solid solution out there. They’re reliable, dependable and fast.”

“With ELAP, our healthcare is in our own hands now.”

“We had the complaints, we had a year of experience, and when ELAP came in to present, I was convinced it was the most developed product out there,” said Durant.

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