Products & Services

Employer-Sponsored Health, Life, Dental and Disability Plans are our core areas of expertise, and we approach each prospect in the following manner:

ASSESSMENT

-Determine your needs and objectives
-Work closely with you to design and implement a plan around those objectives
-Provide guidance with regards to funding the plan

MARKETING/ANALYSIS

-Gather data to market plan to competitive carriers
-Submit proposal request to insurance carriers who can accommodate your requirements
-Thoroughly analyze the quotes received for plan design and cost effectiveness
-Negotiate with carriers to tailor plans and rates to suit your needs
-Provide easy to understand proposal materials which meet this criteria, and meet to examine our recommendations

IMPLEMENTATION

-Assist you in compiling all necessary application material
-Submit application material to chosen carrier and remain active in the underwriting process throughout the approval/effective date
-Arrange and conduct meetings to review new or renewed plan with your employees
-Arrange and conduct meetings to review new or existing administration procedures with your benefits administrator

SUPPORT

-Assist your benefits administrator with employees’ questions or problems regarding administration or claims
-Remain an ongoing resource to you and your employees regarding PPACA, COBRA, HIPAA, Medicare, and other federal/legislative issues
-Advise on pre-tax payroll deduction plans
-Assist with 5500 form filings
-Be available to you for all day-to-day employer and employee concerns regarding your benefit plans