Products & Services: Employee Benefits Services

• Traditional Indemnity Plans / PPOs / HMOs / Combination Plans
• Self-Funding with Third Party Administration
• Voluntary Employee Benefit Plans
• Section 125 Cafeteria Designs
• Payroll Deducted Life, Disability, Home and Auto Insurance
• Shortline Health Insurance Plan (SHIP)

Implementation and Administration of An Effective Employee Benefits Program

1. Plan Design

We will work with your benefits staff to determine the Plan design best suited for your firm. Because each client has different needs and objectives, we don't take a "cookie-cutter" approach. Your financial and tax considerations play a dominant role in this phase.

2. Market Comparison - Due Diligence

Consistent with your plan design, we will go to work for you in the marketplace. Our goal here is to narrow down the myriad of available alternatives to those which meet your needs. Price is often a major factor at this time; however, the carriers history of client service is also an important part of the selection process.

3. Communication

We communicate frequently. A group meeting with all your employees is preferred. Intelligent plan utilization results in timely management and lower ultimate costs to both the employer and employee. Follow-up letters and phone calls are used as needed.

4. Administrative Services

We will thoroughly review billing, claim and administrative procedures with your staff at an installation meeting and assist in handling these functions as warranted. Claims oversight and dispute-resolution services are included. This Agency was built on the fundamental principal of service. We have a keen understanding that profitability lies in renewal accounts.

5. Periodic Evaluation

This is one of the reasons for our high client retention. We will analyze your claims experience, make plan recommendations, review carrier performance and re-evaluate the cost of your program in light of available alternatives.

6. Client Feedback

Your input and feedback are important to us. It is only natural that things may not go as smoothly as we all anticipate. We believe at these moments, true excellence in service is demonstrated by how quickly our organization responds to solving unexpected issues, unfulfilled expectations, and unforeseen events.

What Makes Us Different?

• Active Rate Negotiations With Insurance Carriers
• Comparative Due Diligence Report / Analysis
• Employee Surveys
• Salaried Service Staff , Paid to Keep You and Your Employees Satisfied
• Claims Mediation
• Claims Data Review
• Plan Utilization Guidance and Provider Referrals
• PowerPoint Presentations for Employees / Board Meetings
• Voluntary Benefit Programs Including Individual Home, Auto and Life Insurance
• Internet
  • Web-Site Design
  • Wellness Programs
  • Physician Network Directories On-Line
  • Plan Coverages and Utilization Recommendations
• Life and Disability Carve-Out Plans For Key Employees
• Software Training Where Applicable