Most employers meet us at renewal season, staring down an increase nobody explained. Using a consultative approach, we take it from there: the same five chapters, in the same order, tailored to what your company needs them to do.
Where it starts
Define your goals
We start with your business, your budget, your needs. In a working session with your leadership we crystallize what the plan must do: control costs, recruit and keep the right people, stay compliant. Then we benchmark where you stand, so every goal has a number attached.
In practice
- Development of benefit goals and objectives
- Benchmarking against your market
The design
Plan design & implementation
We design around what we heard. Your current plans are weighed against every alternative design and funding arrangement that fits: fully insured, level funded, self funded, and the ground between. Then we broker across carriers and coordinate a rollout your employees actually understand.
In practice
- Design and implementation of benefit programs
- Benefit products brokerage
Renewal season
Proposal & renewal
We open renewal season early, on your calendar. Every carrier and benefit worth evaluating gets a guided annual pass: contracts read line by line, claims analyzed, actuarial counsel where the numbers need it. You sign with time to spare.
In practice
- Contract review
- Claims analysis
- Actuarial reporting and consultation
The rules
Reform & compliance
We watch the calendar and the law so you don’t have to. From the ACA and COBRA to HIPAA, FMLA, and the DOL, you get timely, accurate answers on what changes, what it costs, and what to do next, with legal experts on retainer for our clients.
In practice
- Healthcare reform impact analysis
- Merger & acquisition assistance and due diligence
Year round
Benefit management
We stay after the signature. Enrollment support when people join, one platform for every carrier and product, and service that sees claims and billing issues through to resolution. When carriers need managing, we are the intermediary, and your HR staff has backup.
In practice
- Plan communication and enrollment services
- Insurer and administrator intermediary
- Benefits & HR staff support