After each open enrollment, our benefits success team uses our proprietary technology to complete an audit of every bill to ensure open enrollment changes were processed correctly. We are also willing to do an audit on request at anytime for clients. For some clients, we have also partnered with services that complete this on a monthly basis to ensure continued accuracy.
We will look at your claims and make targeted plan design recommendations based on utilization. For example, last year, with one client, we found 42% of ER over-utilization. By moving this to a higher copay and educating employees on alternatives like telemedicine and urgent care, we were able to bring the excess utilization down.
We design and print custom benefit guides to help your employees navigate your offerings. We create powerpoint presentations as needed. We coordinate with carriers for additional printed resources. We update and maintain our online portal for your preferences. We do all of this at no additional cost. See example guides from past years.
At Open Enrollment, our team will give your employees their contact information to be the first line of defense in dealing with insurance carriers. Our presence at open enrollment, at wellness events and in our online system encourages employees to contact our staff about claims issues, benefit confusion and general questions. Our Benefits Success Experts have been very successful at negotiating claims with both providers and insurers, with countless examples of mis-billed claims that have been resolved. We are on call daily for your employees’ needs and we encourage them to contact us directly if they have questions about plan designs, claims, wellness initiatives and service offerings.
Our in-house actuaries use our proprietary software to review clients’ demographics, regional cost of care by insurance carrier, and claims. Our parity tool analyzes the premium and the relative value of the plans being offered to ensure that a decrease in plan design is met with the appropriate decrease in cost With this tool, we are able to show the best value overall, which is not necessarily the cheapest. Beyond renewal actuarial services, we can provide access to INBR reporting for self-funded client at no cost as requested.
We believe in making the Open Enrollment (OE) process fun. We want to encourage your staff to enroll and engage in their health. So, whether it’s handing out goodies at your Open Enrollment meeting(s), creating and implementing contests to incentivize employee engagement or designing a wellness program to encourage healthy living throughout the year, we think the meeting itself is the perfect time for you communicate the value of your benefits and to get the goodwill you deserve for the money that you spend on benefits.
Negotiating with insurance carriers isn't always a cup of tea. Let us help you navigate renewal negotiations.
From initial COBRA Set-up & implementation to employee notifications to premium collection, we'll support you in your COBRA administration with free software that will make the process easier.
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Interested in learning about how our benefits support team can help you simplify your benefits? Reach out to us for a complimentary benefits and compliance assessment.