·        Research and analyze client’s groups benefits needs and physician networks

o       Review current plans and level of satisfaction

o       Determine key person’s objectives

o       Collect census

·        Survey the marketplace for appropriate plans and carriers

o       Analyze the available carriers and plans

o       Check that key person’s physicians are in proposed network

o       Benchmark existing plan against National data

·        Present plan alternatives that meet client’s benefits and budgetary needs

o       Prepare presentation

o       Explain plan differences

·        Define eligibility

o       Explain the requirements for group coverage

o       Acceptable waivers

o       Participation requirements

·        Prepare master application, supporting documents and employee enrollment

o       Multi-Carrier Online Enrollment and Underwriting

o       Group Application which defines the terms of the plan

o       Eligibility documents supplied by group and included with the application

o       Employee enrollments completed by employees defining their status and named dependents

·        Educate employees about their plan

o       Install incentive based Wellness Programs

o       Install the plan upon acceptance by the carrier

·        Support your client’s employee benefits and HR needs

o       Provide personal claims concierge service

o       Provide access to an online Human Resource Library, called HR360

o       Be available to respond to questions regarding the plan, claims and eligibility

o       Keep clients ahead of the curve by notifying them of changes in laws—issues that will directly impact their businesses

o       Provide customer support throughout the plan year such as enrollment changes, claims and insurance I.D. cards

o       Provide support when COBRA issues come up or mini-COBRA needs for less than 20 employees

o       Provide assistance with the annual CMS Disclosure - Keep clients ahead of the curve by notifying them of changes in laws—issues that will directly impact their businesses

·        Help with open enrollment issues

o       Provide support at open enrollment time with explaining choices and assisting enrollment

·        Provide documentation such as SPDS when needed

o       Arrange to provide the documents at inception and for changes in the plan

·        Facilitate renewal and eligibility verification

o       Provide explanation of renewal

o       Design plan alternatives in line with budget and priorities