Our basic approach is to provide our clients with cost-effective plans ranging from HMOs and POS plans to multi option platforms allowing clients to mix and match provider networks and benefits. This can result in greater flexibility in determining employer and employee contributions. Our employee benefits division has over 20 years of experience in working closely with small businesses in analyzing, designing, implementing and servicing quality employee benefit programs including: life, short term disability, long term disability, medical, dental, and medical reimbursement insurance.

Our comprehensive services incorporate many factors including:

Analyzing and Determining Benefit Needs
We meet with business owners and executives to identify the goals and objectives of the company and how available benefit packages can meet those needs. These benefits may include group medical, dental, life insurance, group short and long term disability as well as employee voluntary plans. We also look at the feasibility of section 125 plans, including premium only and flexible spending accounts.

Reviewing and Evaluating Existing Benefits

This includes plan design and cost effectiveness, employee out of pocket costs, employee/employer premium contribution levels, network compatibility as well as multi-plan design options. We also try to determine the effectiveness of ancillary benefits such as dental, life and disability. We can analyze executive benefit plans to attract and retain valuable talent. We provide strategies with the goal of saving our clients money without an overall sacrifice of benefits.

Presenting Benefit Solutions and/or Alternatives to Existing Benefit Design

Recommend a plan design and funding alternatives designed to reduce cost and enhance cash flow. This could include traditional HMO or POS coverage, multiple plan designs, Health Savings accounts, and/or Health Reimbursement arrangements. We will negotiate with ancillary carriers to deliver the best possible coverage with the most competitive rates.

Installation of Benefit Programs

Coordinate installation of plans at renewal including educational and enrollment meetings with employees. Presentations with insurance company representatives at area offices can be done to further explain plan options.

Ongoing Services and Renewal Reviews

This includes facilitating enrollment of new employees and responding to employer and employee questions or concerns regarding benefits. We will work with client’s office in ongoing administration issues such as billing, additions, terminations, and COBRA administration, and will complete a comprehensive renewal review that we will start well in advance of the renewal date to ensure adequate time to look at all possible benefit improvements and alternatives.