Corporate
Employee Benefits
Our objective is to become part of your professional team of
representatives by providing high quality strategies, benefit
design, rate negotiation, plan implementation, day-to-day administration,
and problem solving.
Services
Long Range Planning
Our extensive experience with clients in
a variety of industries allows us to help drive your planning
process while aligning your long-range benefit planning with company
goals. You can count on us to help manage this process by:
Developing long-range objectives.
Creating new solutions to traditional problems.
Keeping you up-to-date with new products/trends.
Providing hands-on expertise in plan implementation and modification.
Plan Design and Rate Negotiation
Your plan design influences your negotiation
power. We help you balance your goals, benefit needs, and budget
to establish the best solution for your company. To help you,
we:
Assess alignment of current plan designs with long range goals.
Establish strategies to help ensure goals are accomplished.
Evaluate appropriateness of alternative funding arrangements such
as fully-insured,
self-funding, minimum
premium, Administrative Services Only (ASO),
and Medical Savings
Accounts (MSA)
Design a plan, which meets benefit needs and budget goals.
Analyze bid responses, claims data, and report findings.
Negotiate renewal rates with carriers including retention, trend
projections and reserves.
Present market evaluation and make recommendations.
Consider plan design alternatives and potential premium savings
versus
employee exposure.
Establish implementation timetable for proposed changes.
Day to Day Administrative Services
We'll be there when you need us. You can
count on us to:
Assist you and/or your employees with questions or challenges with
any claims.
Provide ongoing assistance with billing errors, enrollment cards,
late enrollees, etc.
Help you reassess the appropriateness and efficiency of the plan
design.
Obtain Schedule A's for the 5500 filings from carriers in a timely
manner.
Assist with any miscellaneous administrative issues that arise.
Employee Communication
Your employees will have specific questions
relating to personal situations. Our experience allows us to proactively
anticipate questions and provide clear, non-confusing answers
in a timely manner. We'll be there to:
Manage annual open enrollments of group insurance plans.
Design, produce or provide employee communications materials such
as
payroll stuffers or
benefit outlines.
Evaluate and coordinate enrollment of HMOs, PPOs, etc.
Legislative Issues
We provide you with assistance with complex
legislative issues such as:
State and federal requirements regarding ADA, COBRA, TEFRA, ERISA,
and HIPAA.
Updates on pending federal, state, and local legislative issues.
Areas of Expertise