Employee Benefits
We help you achieve higher performance in your benefit programs by listening to your goals and challenges, then creating and implementing a custom-tailored solution.

What separates us from our competitors?

Our Expertise

• Total Healthcare Strategy - Our integrated approach focuses on all the factors that affect the trajectory of your benefit costs. From the obvious elements - such as plan design and contributions - to the less-obvious - such as network efficiency, claims/audit processes, condition and utilization management, and consumer education - our approach ensures no opportunities are missed.
  
• Actuarial Projections/Underwriting - Our actuarial unit helps you project future costs and analyze opportunities for change. We analyze contribution strategies and compare current contributions with actual claims to ensure the best possible strategy is selected. We have the ability to review vendor negotiations based on independent actuarial assumptions rather than relying on prevailing market rates.
  
• Employee Communication - We believe that communication and education are key to the success of any human resource program. Our combination of benefits expertise and marketing orientation uniquely positions us to help you improve your benefit program's "return on investment." You can design and offer the best human resource programs of any competitor, but if employees don't perceive its value, you won't achieve your objectives.

Our Market Influence

• Carrier Relationships - We are the only employee benefits firm to participate on the advisory councils of the "Big Four" benefit insurance carriers. We are able to bring our clients' concerns and suggestions directly to those who are most concerned with hearing them.
• Indicator/Vendor Reporting - We bring life to vendor data and deliver a meaningful summary that answers your questions. We offer, not only observations of what is happening, but also recommendations that will maximize efficiency and profit.
• Vendor Pricing/Contracting - We constantly manage bid/selection projects and perform vendor negotiations for our clients. We combine our understanding of your needs with our market insight to ensure that the best possible terms exist in your current contracts.

Our Support

• Budget Analysis/Support - We reduce the administrative burden of the budgeting process by developing an independent actuarial budget, then closely monitoring actual performance to identify any potential discrepancies. We believe that by taking a proactive approach to the budget process, we can identify potential trends early and take necessary action to improve your situation.
• Utilization/Compliance Monitoring - Through our healthcare and data management analysts, we actively review utilization reports for trends in healthcare services. Integrated with our financial reporting activities, we can provide meaningful answers to what is driving utilization at the user level. We also have full-time legal experts on staff to address compliance issues.
• Call Center Services - Our Call Center staff has many years of experience and provides excellent advocacy support for plan participants. In addition, our bilingual help line services are available for assistance during enrollment and other high-demand situations.