The foundation of our organization is the practical advice we give our clients. We have extensive experience representing corporations of all sizes by providing a variety of services that include:
Before we begin to design any program, we spend a great deal of time simply listening. We carefully evaluate your current situation and assess the strengths and weaknesses of your existing benefit plans, carriers and vendors. We compile complete census data and interview management to determine needs and goals. This enables us to develop a strategic plan tailored to your company's specific requirements. By performing these additional steps it has been our experience that the carriers and plan designs selected create a new benchmark for how long they are maintained rather than the typical shopping and changes that typically go on in the benefits sales environment.
Is your firm maximizing its benefit plan expenditures? Are employees declining coverage due to cost? As the employer do you struggle to meet eligibility requirements? We determine the answers to these and many other issues to ensure that employer and employee dollars are effectively utilized and that coverage is as accessible as possible.
Employee involvement and satisfaction is critical to the success of any benefit plan. We use surveys to identify key issues that your employees have, including potential provider disruption, plan design and demographics.
As part of our initial service offering, we can perform a complementary “due diligence” compliance analysis. Group Health insurance and other employee benefits have steadily become a highly regulated business. A few of the many legislative and regulatory areas we analyze include:
For employers with approximately 100 or more employees, we explore alternative funding methods that may be more cost effective and provide the ability to expand benefits. This includes detailed claims analysis, benefit utilization, network and Pharmacy Benefit Manager discounts, fees and accessibility.
We spend thousands of hours with insurance companies. Our market awareness gives us the expertise to find the best carriers for your company. This is especially important for employers with geographically dispersed employee population.
We continually negotiate with the insurance companies on your behalf. We do the extra things such as:
We custom-design basic Cafeteria to Full Flexible Benefit Plans to ensure that employers and employees are fully leveraging the Internal Revenue Code.