Helping your employees become educated consumers of healthcare is our passion. We have a gift for taking the complex world of employee benefits and making it into something that the average person can understand. This is best done face to face, and when we walk into our client's office, the employees know who we are and how we can help them.
It is also important that your employees know how much the company is paying for employee benefits on their behalf. Most people don't understand the true cost of their benefits until they terminate employment and receive their COBRA health insurance cost notice. It should be communicated early and often how much the company is contributing to their employee benefits. Your staff needs to understand that the value of employment with your firm isn't limited to just their salary.
HR AND EMPLOYEE ADVOCACY
Have you ever received a doctor's bill and not known if you should pay it or not? Most people have. Claims and billing problems are often resolved quickly. But there are other situations where you need the help of an experienced health insurance broker. We work for our clients and their employees and we have handled thousands of problem claims and billing issues. We speak the language of doctors and insurance companies and can quickly get to the root of a problem.
HR professionals need a different kind of help - administrative. With employees coming and going there is a lot of paperwork involved, and carriers don't always do what they are supposed to. Let us help make sure employees are added, terminated and updated timely and accurately. When something does go wrong, we call you back and work together to fix the problem.
Does your current broker approach your renewal with a plan? Do you start early and end on time? Your employee benefits package is one of the largest budget items on your P&L. We think managing these dollars should be a priority for you and your staff. This is one of the most important aspects of offering employee benefits. We start the actual process 90 days out (discussions begin much earlier), and we always get competitive quotes even if you have a good renewal year. If you are happy with your current carrier we use the renewal data to actively negotiate for lower rates. If changing carriers makes sense, we help you understand the pros and cons of the move from every angle.