Comprehensive Group Benefits

• Health

• Prescription Drugs

• Dental

• Vision

• Life/AD&D

• Health Savings Accounts

• Flexible Spending Account

• Long Term Disability

• Short Term Disability

• International Benefits

• Business Travel

• Voluntary Benefits

• Special Risk

• Employee Assistance Programs

• Long Term Care

Scopes of Services

Monthly Meetings, Client and Member Service and support

• Regularly meet to discuss cost containment initiatives and review plan performance

• Interact with carriers on plan changes, amendments, PBM changes, and plan document updates

• Review all carrier materials: SBC’s; Carrier/TPA benefit grids, SPD’s, installation documents

• Intervention on billing, claims, eligibility, clarifications of plan terms

• Oversee implementations/renewal changes with vendors

Strategic Planning and Forecasting

Forecast budget and employee cost sharing

Recommend metrics that can be used to measure the effectiveness of plan changes and cost containment programs

Provide solutions to address health plan spending and to simplify administration

Recommend population health management strategies

Communications, Member Support, and Open Enrollment

Explain benefits to employees and provide examples of expenses paid by the plan

Draft/prepare communications, including:

• Benefit Guides

• Open Enrollment presentations

• Annual required notices

• Employee Benefits Statements

Conduct open enrollment meetings

Annual Budgeting, Renewal Management and Negotiation, Actuarial Analysis

Review, negotiate and finalize vendor rates

Prepare suggested contribution/cost sharing

Risk identification and targeted condition management programs using

Model employee contribution scenarios.

Stop loss/reinsurance feasibility for self-insured plans

Plan change impact analysis, including enrollment and demographic shifts

Technology Solutions

Suggest systems to automate routine tasks

System capabilities include

• Payroll

• Benefits administration

• Performance management

• On-boarding

• Time and Attendance

• Leave Management

• Compensation Management

• ACA Compliance

Group Benefits Expertise

Medical, Dental, Vision, Short and Long-Term Disability, Long Term Care, Critical Illness, Accident, Cancer

• Home/Auto discount programs

• Discount programs

• Direct provider contracts

• Pharmacy Benefit Managers

• Retirement plans and Executive retention plans