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Account Management
Evaluation
Determine your needs and objectives
Work closely with you to design a plan around those objectives
Give guidance regarding funding
Marketing/Analysis
Gather data to market plan to competitive carriers (census, current plan design, current rates, claims experience, medical conditions, funding, etc.)
Submit proposal request to carriers who can accommodate your plan requirements
Thoroughly analyze the quotations received for plan design and cost effectiveness
Negotiate with carrier(s) to tailor plans and rates to best suit your needs and desires
Provide easy-to-understand spreadsheet and analysis of the plan(s) which meet this criteria, and meet to examine our recommendations
Implementation
Assist you in compiling all necessary application material
Submit application material to chosen carrier and remain active in the underwriting process through the approval/effective date
Arrange and hold meetings to review new or renewed plan with your employees
Arrange and hold meetings to review new or existing administration procedures with your plan administrator
Ongoing Support
Assist your plan administrator with employees’ questions or problems regarding administration or claims
Remain an ongoing resource to you and your employees regarding COBRA, HIPAA, Medicare, and other federal and legislative issues
Advise on pre-tax payroll deduct plans
Assist with 5500 filings
Be available to you for all day-to-day employer and employee concerns regarding your benefit plan
Continue to monitor your plan’s effectiveness throughout the benefit year, as well as at renewal, as carrier policies and procedures and legal issues impact your plan