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Products

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Group Employee Benefits

  • Medical Insurance

  • Individual Dental and Vision

  • Long-Term Care

  • Disability (Income Replacement)

  • Life Insurance 

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Individual Coverage

  • Medical Insurance

  • Dental and Vision

  • Long-Term Care

  • Disability (Income Replacement)

  • Life Insurance

 

Medicare Eligible

  • Medicare Supplement

  • Medicare Part D

  • Medicare Advantage Plans

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Group Medical Plans

  • PPO Plans

  • Point-of-service (POS) Plans

  • HMO Plans

  • High Deductible Health Plans (HDHP) with Health Savings Account (HSA)

  • Self-Insured Plans

 

Administrative Plans

  • Flexible Spending Accounts

  • Premium Only Plans

  • Health Reimbursement Arrangements (HRA)

  • Health Savings Account (HSA)

  • COBRA Administration Outsourcing

 

Ancillary Group Product Options

  • Dental

  • Vision

  • Disability (Long Term and Short Term Income replacement)

  • Life/AD&D

  • Worksite Products - Including Cancer, Accident and Whole Life Policy options

Services

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Comprehensive Annual Plan Review

  • Plan Design Analysis (Traditional, HRA, HSA)

  • Quotes from all Relevant Carriers

  • Negotiate with Selected Carrier for Lowest Possible Cost

  • Enrollment Services

    • Benefit Communication through Employee Meetings

 

Support Services

  • Human Resources

    • HR “on call” Telephone Advisory Service

    • HR Compliance Audit

    • Benefit Website

    • Personalized Employee Benefit Statements

    • Training and Education for HR Staff on HIPAA, COBRA, FMLA, FSA, Section 125 and Health Care Reform Act

    • Assist with Claims and Billing Issues

    • New Hire Packets

    • Legislative and Product Change Updates

    • Education Opportunities for Employees

      • Lunch and Learn Workshops

      • Explain Cost-Effective use of Plan Benefits

 

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Customer Service

  • In-House Customer Service Representative available 8am to 5pm

  • Personal EOB Review and Claims Resolutions Available for Every Employee

  • Individual Health Insurance Options Qualifying Events

  • Life Insurance Conversion and Portability Assistance

 

Wellness Programs

  • Assist with Design and Implementation of Comprehensive Wellness Programs, Customized to Employee Population and Employee Budget

  • Develop Wellness Incentive Options

  • Ensure effective Chronic Disease Management Program through Integration of Carrier and Employee Clinic

  • Health Benefits Fair Support

 

Health Care Reform

  • “Pay or Play” Analysis

  • Private Label Exchange Availability

  • Legislative and Regulation Updates

  • Compliance Support

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