Employee Benefit Welfare Plans

Plan Design & Marketing

• Benefits strategy planning
• Bid specification/RFP preparation
• Conduct thorough market analysis on a routine basis
• Provide comprehensive proposals and financial analysis including alternate funding mechanisms
  and network disruption reports
• Aggressively negotiate pricing and renewals

Implementation & Communications

• Timely open enrollment coordination and management including employer communications guidance
  and assistance
• Employee communications from both an oral and written/graphics standpoint including group specific open enrollment packages, memos, Summary of Benefits and Coverage (SBCs), forms and brochures including cafeteria plan election memo/forms
• Conduct on site enrollment meetings in both English and Spanish
• Conduct employee educational seminars, webinars, wellness programs, health fairs, public sector program guidance and provide lower cost individual plan options for dependents
• Plan enrollment, implementation management and coordination including prior plan terminations.

Account Management & Customer Service

• Analyze claims and risk management data on a routine basis for the purpose of reducing costs at renewal and to help guide benefit modifications
• Regularly scheduled on site meetings to assure plan administration accuracy as well as employee satisfaction including employee surveys
• Process employee enrollments and terminations upon request. COBRA notifications to Third Party Administrator if applicable.
• Offer direct one-on-one assistance to all employees who experience difficulty utilizing the plans; from navigating through the managed care environment, understanding benefit structures and/or experiencing claims resolution conflicts
• Provide employees with direct phone accessibility including e-mail to ensure superior customer service
• Advocacy to insurance industry regulatory agencies for consumer protections
• Personal and business connections, experience and relationships with insurance companies and industry leaders to solve problems and get optimum results

Small, Mid Size & Large Group Employee Benefits

• HMO (Staff, IPA & PMG), EPO, POS, PPO & Indemnity
• Prospective & retrospective reimbursement
• Alternate funding arrangements
• Managed care mechanisms
• ERISA plans (fully & partially self-insured)
• Multi-state/national case management
• Health Savings Accounts
• Health Reimbursement Arrangements
• Consumer Directed Health Plans
• Dental (DHMO, DPO & FFS)
• Vision (FFS & managed vision)
• Group life & AD&D
• Group long and short term disability
• 401(k) & profit sharing
• Group long-term care insurance
• Flexible Spending Account (FSA) and Premium Only Plan (POP)
• Wellness programs
• Voluntary payroll deduction programs
• Pre-paid legal
• Employee assistance programs (EAP)
• Critical illness programs

Value Added Service

• COBRA and Flexible Spending Account administration to professional third party administrators
• Web based HRIS system (100+ employees)
  Benefits administration portal including employee self-serve portal (2+ employees)
• Employee benefits statements
• Custom employee benefits brochures
• Employee surveys & benchmark data
• Newsletters, employee bulletins & memos
• Public sector health plan guidance
• Legislative, regulatory and compliance updates