 Analyze Employee Needs
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Examine experience generated by existing carrier :
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- Paid/Incured Losses
- Stability of Fees
- Claims Payments
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- Administrative Costs, Profits, Commissions
- Problem Claims
- Interface with Selection Agencies
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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
- Defined Contribution Plans
- Flexible Spending Accounts (IRC 125)
- Voluntary Plans
Cost Sharing Analysis :
- Control future increases
- Maximize employee perceived benefit value
- Integrate with employee compensation
Enrollment Assistance
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Medical