MEDICAL (GROUP) • VISION • DENTAL • 401(k) • LONG-TERM DISABILITY

Medical (Group)

• Analyze Employee Needs
  
  
• Examine Experience Generated by Existing Carrier
  
  • Paid/Incurred Losses
  • Stability of Fees
  • Claims Payments
  • Administrative Costs, Profits, Commissions
  • Problems Claims
  • Interface with Selection Agencies
    
    
• Examine Financial Stability
  
  
• Market Analysis of Rates and Service Levels
  
  
• Benefit Plan Design to Meet Employer Objectives
  • Preferred Provider Organizations (PPO)
  • Health Maintenance Organizations (HMO)
  • Self-Funded Benefit Plans
  • Flexible Spending Accounts (IRC 125)
  • Voluntary Plans
    
    
• Cost Sharing Analysis
  • To control future increases
  • Maximize employee perceived benefit value
  • To integrate with employee compensation
    
    
• Enrollment Assistance