• Review existing plans, future needs and trends
• Engage employer in strategic discussions
• Examine and determine current and ongoing compliance obligations as they relate to the Affordable Care Act.
• Create long term strategic plan and timeline
• Develop plan designs and creative solutions
• Evaluate various plan options and interface with carriers
• Establish employee cost-sharing policy

Employee Benefit Budgeting Services

• Analyze current employer benefit costs
• Ensure benefit plans align with strategic goals
• Evaluate Insured and Self Insured options
• Create interactive budget spreadsheet to forecast employer and employee plan expenses

Self-Funding Feasibility Analysis

• Participate in strategic planning and financial goal discussions with management, finance and human resource department to determine objectives
• Complete analysis and present recommendations to decision makers
• Act as a contracted liaison between employer and carrier or Third Party Administrators (TPAs)
• Assist in setting the specific stop loss reinsurance claims limits and select appropriate and required administrative services
• Secure catastrophic reinsurance bids, administrative services fees and claims fiduciary liability protection options from a cross section of technically competent and financially stable carriers or TPAs
• Provide written recommendations including benefit plan design options, financial analysis and employee premium contribution alternatives
• Assist with any matters arising from the conversion of health plans from fully-insured to self-funded.

Carrier Selection

• Identify carrier specifications and initiate bidding process
• Analyze carrier responses, plans and costs
• Evaluate carriers, including network accessibility match
• Negotiate with carriers and present options to management

• Manage employee enrollment process
• Develop communication plan for open enrollment
• Conduct on-site and webinar enrollment meetings
• Produce announcement letters and benefit
  outline summaries
• Build customized employer website with benefit communication material

Ongoing Benefit Management and Carrier Relationship Services

• Provide integrated online benefit enrollment and HRMS
• Review carrier documents and contracts
• Coordinate and distribute booklets and ID cards
• Review Summary Plan Descriptions and SBCs
• Manage carrier relationships
• Provide licensed customer service representatives for all coverage areas
• Conduct compliance review

Collective Bargaining Benefit Strategy

• Consult with management, before and during collective bargaining negotiations to develop strategic benefit approach and cost projections
• Serve as employee benefit resource for management
• Develop and conduct benefit transition communications to non union and union employees.

Merger/Acquisition and National Account Consulting

• Conduct reviews for employee benefit plans including benefit and financial analysis
• Identify areas of conflict and potential liabilities
• Recommend strategies and provide communications for integrating benefits management and human capital processes
• Provide on-going consulting to address “after the sale” benefits management and human capital issues