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Services & Support

As your Consultant/Broker, we provide the following services and support to your company.

• Research and analyze client’s needs
  • Review current plans and level of satisfaction
  • Determine key person’s objectives
  • Collect census
• Survey the marketplace for appropriate plans and carriers
  • Analyze the available carriers and plans
  • Check that key providers are in proposed network
• Present plan alternatives that meet client’s benefits and budgetary needs
  • Prepare presentation and analysis
  • Explain plan differences
• Define eligibility
  • Explain the requirements for group coverage
  • Acceptable waivers
  • Participation requirements
• Prepare master application, supporting documents and employee enrollment
  • Group Application which defines the terms of the plan
  • Eligibility documents supplied by group and included with the application
  • Employee enrollments completed by employees defining their status and dependents
• Educate employees about their plan
  • Install the plan upon acceptance by the carrier
• Support client’s employee benefits and HR needs
  • Be available to respond to questions regarding the plan, claims and eligibility
  • Keep clients ahead of the curve by notifying them of changes in laws - issues that will
    directly impact their businesses
  • Provide customer support throughout the plan year such as enrollment changes, claims
    and insurance I.D. cards
  • Provide support when COBRA issues come up or mini-COBRA needs for less than 20
    employees
• Help with open enrollment issues
  • Provide support at open enrollment, explaining choices and assisting enrollment
• Provide documentation such as Summary Plan Descriptions when needed
  • Arrange to provide the documents at inception and for changes in the plan
• Facilitate renewal and eligibility verification
  • Provide explanation of renewal
  • Design plan alternatives in line with budget and priorities

Other Services we provide

• Human Resource Consulting/Management Services
• Claims Negotiations/Management
• Pharmacy Benefit Management Plans/Programs
• Group Medicare Programs
• Senior Health Consulting/Information Services
• Labor/Management Services
• Legislative updates
• Coordination of Benefits
• Stop/Loss Specific and Aggregate
• Access to most insurance markets
• Dedicated Customer Service Personnel
• Service Resolution within 48 Hours

Let us put our 30 plus years of experience to work for you!