Navigator Benefit Solutions, LLC
Leading the way to better benefits.
Who We Are
  • Is Self-funding
    Right for You?

  • Actuarial Value Calculator
    Online Version of 2014 HHS Excel Spreadsheet

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    for Android

  • Our people learned their trade from the world's leading insurance, benefit, and auditing organizations. We pride ourselves on our independence and honesty and can be counted on to offer cost-effective solutions to your benefit problems. Where we do not know the answer, we find it. We've built relationships across the industry that we can call upon. Our network of resources gives our clients broad access to a complete line of consulting services.

    Our Key Principals:

    Tim Luedtke, FSA, CFA, MAAA
    Principal & Consulting Actuary

    Tim, our founder, combines strong leadership and financial background as an actuary and a chartered financial analyst. His 25+ years experience with leading Fortune 100 insurance organizations and the Big Four position him well to anticipate the practical implications of policy proposals. He worked in the areas of new business development, investment management, product development, strategic growth, insurance securitizations, life settlements, international, and corporate development. A passionate proponent of personal responsibility and empowering those closest to a problem to solve it, Tim developed Navigator's approach to creating physician-empowered, motivated accountable care organizations (ACOs), one which begins at the local level, supports strengthening trusted physician-patient relationships and accomplishes these goals irrespective of whether the physician is independent or employed by a larger organization.

    Tim is actively involved with the American Academy of Actuaries. During the recent health reform effort, Tim worked with numerous groups to help policymakers understand the implications on the group and individual insurance markets of various reform options. Tim believes that the best opportunity for affordable, accessible, and widely available health care coverage is to create a viable individual insurance market where larger risk pools can significantly reduce and/or stabilize year-to-year rate increases characteristic of insurance programs utilizing small risk pools. Tim has written and presented on numerous health and employee benefit topics including: captive insurance, comparative effectiveness, consumer-driven health care, and pay for performance.

    Tim created and filed patents supporting a concept called the AURA® Plan. The AURA® Plan offers a tax-preferred investment vehicle for funding retiree and active employee health benefits, HRA balances, long-term care savings, and other health benefits. The AURA® Plan combines a 401(k) plan with an embedded health care account allowing employers of all sizes to offer a single, combined employee benefit account where contributions are established as a percentage of salary and year-to-year changes are independent of health care and other benefit cost inflation.

    The AURA® Plan

    Tim is a Fellow of the Society of Actuaries (FSA), and a Chartered Financial Analyst (CFA). He received a Bachelor of Science degree from the University of Nebraska.

    Diane Luedtke, FSA
    Principal & Consulting Actuary

    Diane has demonstrated a client-first philosophy in industry, professional education and consulting during twenty-five years of diverse employee benefits, health care and actuarial work. She has consulted for large and small employers, brokers, a global health insurance company and the Wharton Executive Education program. Prior to consulting independently, she spent 13 years with a leading insurance company where she developed in-depth knowledge of product development, pricing and employee benefits consulting services. Diane has experience in a wide variety of areas including health care reform, consumer-driven health care, flexible benefits, retiree health care, product development, plan design, experience analyses, cost strategies, underwriting, valuation, training and education.

    Diane is a Fellow of the Society of Actuaries (FSA) and a Chartered Life Underwriter (CLU). She has a master's degree from the Wharton School at the University of Pennsylvania and bachelor’s degree in actuarial science from Temple University.