Premium Analysis and Rate Negotiation:

We will perform a thorough market analysis to determine the best carriers to meet your employee benefit demands – Then, utilize our 31 years of employee benefit experience to negotiate the most competitive rates and plans for our client.

Comparative Analysis:

Annually, We will perform an extensive market appraisal relative to your company’s employee benefit plan as compared with those of your competition in the same industry.

Geographically Based Plan Design Capabilities:

Our national and international expertise and sophisticated research techniques allow us to determine the most cost-effective method to integrate a diverse number of plans.

Claim Assistance and Service:

We never stop our “Service First Mind-Set” after you become our client.  Our entire reputation depends upon our ability to provide you with a team of capable and dedicated service professionals to handle your day-to-day needs and questions.  We will never leave you only in the hands of your insurance carrier, we are here to assist you with all employee claims in any way we can.

Enrollment Assistance and Support:

We will work with you to ensure all employee communication is complete and accurate.  This is accomplished through onsite meetings, conference calls, media presentations and employee literature. We work with the carriers to customize communications to your organization’s needs and will assist with the entire enrollment.  Following open enrollment, we will meet with you and your employees, as you require, to review all benefits you offer to your employees.

Internet or Intranet Online Content and Self-Serve Enrollment Support:

We will coordinate these services through a strategic partner that offers full Internet or Intranet online administration of your employee benefit plans.  Each member of your company, should they choose, can access their benefit plans via the Internet or Intranet. Our service offers complete online (self-serve) open enrollment and plan descriptions through your company’s Web Page. Our Strategic Partner may charge a separate fee if this service is selected.

COBRA Administration:

We will coordinate these services through a strategic partner that offers COBRA administration services to support your HR department. These services range from complete administration to selective assistance.  Including notifications, conversion notification letters, SB761 notification, secondary qualifying event letters, NSF check notification and premium change letters. For groups of 19 enrolled employees and above, we automatically include COBRA administration software at no charge. For those groups that do not wish to maintain COBRA administration in house we offer full COBRA administration through our Strategic Partner. Our Strategic Partner may charge a separate fee if this service is selected.

Consolidated Billing Statements:

Today’s corporate environment requires a few to do the work of many and those few to do more with less. As a result, we offer access to a consolidated billing system that is easy to follow and produces an electronic consolidated premium statement incorporating up-to-date eligibility reconciliation, employee changes, billing audits and premium calculations.  Statements are broken down by line of coverage, dependent participation, employer/employee costs and plan totals, providing a comprehensive report that can be utilized by management, accounting and human resources to manage all lines of coverage. Our Strategic Partner may charge a separate fee if this service is selected.

Cafeteria Plans (Section 125 Flexible Benefit Plans):

We will coordinate these services through a strategic partner that offers plan administration for both premium only plans (POP) or complete Section 125 Flexible Benefits Administration. Our Strategic Partner may charge a separate fee if this service is selected.

Voluntary Benefits:

We can design a comprehensive supplemental package that will enhance your total benefit program.  This will enable each employee to personalize a portion of his or her benefit needs, without financial impact to you, the employer.

Benefit Offering and Value-Added Services

Medical Benefits

  • Preferred Provider Origination (PPO)
  • Point Of Service (POS)
  • Health Maintenance Origination (HMO)
  • Exclusive Provider Origination (EPO)
  • Executive Reimbursement Plans
  • (CoPay, Deductibles, etc.)
  • HSA and Indemnity Plans
  • Prescription Drug Services
  • International Medical Benefits
  • Self-Funded Plans
  • Defined Contribution Plans

Lifestyle Benefits

  • Dental
  • Vision
  • Chiropractic
  • Employee Assistance Programs (EAP)
  • Prepaid Legal
  • Voluntary Benefits

Financial Protection

  • Life Insurance
  • Long Term Disability
  • Short Term Disability
  • Long Term Care
  • Cancer Protection
  • International Travel Medical and Accident

HR Assistance

  • COBRA / ARRA Compliance Support
  • Web-Based Benefit Enrollment
  • Employee Background Screening
  • Benefit Summaries (Print or Web Based)
  • HR Compliance Reviews (Labor Laws)
  • Translation and Interpretation Assistance
  • 5500 Filing and Compliance
  • Wellness News Letter Assistance
  • Quarterly Carrier Meetings
  • Health and Wellness Fair Day

Qualified Retirement Planning

  • 401 (k)
  • Profit Sharing
  • Defined Benefit
  • Cash Balance Accounts

Integrated Executive Benefit Planning

  • Estate Planning
  • Buy/Sell Planning
  • Key Person Indemnification
  • Non-Qualified Deferred Compensation
  • Executive Reimbursement
  • Owner/Management Class Carve-outs
    Subject to HR-3590 (Healthcare Reform)

Flexible Benefits

  • Premium Only
  • Dependent Care
  • Un-reimbursed Medical
  • Voluntary Benefit Programs

Employee Incentive Programs

  • Assistance With Entertainment Discount Tickets and Services
  • Assistance With Employee Recognition Programs