OUR BROKER SERVICES

As your broker, we provide the following services and support to your company:

• Research and analyze client's groups benefits needs and physician networks.
  • Review current plans and level of satisfaction.
  • Determine key person's objectives.
  • Collect census.
• Survey the marketplace for appropriate plans and carriers.
  • Analyze the available carriers and plans.
  • Check that key person's physicians are in proposed network.
• Present plan alternatives that meet client's benefits and budgetary needs.
  • Prepare presentation.
  • Explain plan differences.
• Define eligibility.
  • Explain the requirements for group coverage.
  • Acceptable waivers.
  • Participation requirements.
• Prepare master application, supporting documents and employee enrollment.
  • Group Application which defines the terms of the plan.
  • Eligibility documents supplied by group and included with the application.
  • Employee enrollments completed by employees defining their status and named dependents.
• Educate employees about their plan.
  • Install the plan upon acceptance by the carrier.
• Support your client's employee benefits and HR needs.
  • Be available to respond to questions regarding the plan, claims and eligibility.
  • Keep clients ahead of the curve by notifying them of changes in laws - issues that will directly impact their businesses.
  • Provide customer support throughout the plan year such as enrollment changes, claims and insurance I.D. cards.
  • Provide support when COBRA issues come up or mini-COBRA needs for less than 20 employees.
• Help with open enrollment issues.
  • Provide support at open enrollment time with explaining choices and assisting enrollment.
• Provide documentation such as SPDS when needed.
  • Arrange to provide the documents at inception and for changes in the plan.
• Facilitate renewal and eligibility verification.
  • Provide explanation of renewal.
  • Design plan alternatives in line with budget and priorities.