Insured Group Benefits

LONG TERM CARE

LIFE

DENTAL

HEALTH

VISION CARE

PRESCRIPTION DRUG

DISABILITY

EXCESS MAJOR MEDICAL

STOP LOSS COVERAGE

BROKER SERVICES

We work to obtain the most cost-effective programs for our client based on current and expected future needs. We prepare specifications and investigate various alternatives. After review and evaluation of viable options, at the client’s direction, we assist in the purchase of the program that best meets client goals and objectives.

BILLING/ENROLLMENT SERVICES

As your benefits administrator, we become an extension of your personnel department. We facilitate a smooth enrollment process for new employees and make sure coverage changes are recognized promptly and that appropriate credits are allocated. COBRA and other direct payments are billed and administered by our team.

CLAIMS SERVICES

Because claims expenses determine your ultimate costs for employee benefits, careful control and monitoring is needed to keep these costs manageable. We are an advocate of professional and accurate claims processing. We are equally convinced that, when accurate and fair claim payments are made promptly, employees will be much more satisfied with their program.

BENEFIT CONSULTING SERVICES

We help employers evaluate and restructure their programs by approaching benefits as a form of compensation. Many times, premium cost shifting can be arranged through the implementation of flexible benefits.

Through employee communications, surveys, meetings, etc., we help employers to better educate their employees as to the current and projected cost of benefits. This will increase morale by giving employees the benefits they need and want and will also tend to reduce claims costs as employees may be more prudent in their use of benefits.