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