Group Insurance

Designing your Unique Benefits Program

In today's world, Group Insurance programs generally represent a significant expense for plan sponsors. Given double digit annual inflation factors for both Health Care and Dental Care for each of the past ten years, it is easy to see how the cost for these plans has risen dramatically.

Each benefit program is unique to the plan sponsor. In arriving at your final plan design, it is our job to ensure that this plan design is meeting your needs and satisfying your wants. Most importantly, we have to ensure this program fits within your budget.

Among the many services we provide in order to meet this criteria include:

• set up of the benefits program
• assist in the design of the employee booklet
• employee meetings to communicate the benefits on your behalf
• ongoing communication to the employees
• quarterly newsletter to plan sponsors
• assisting with claims problems
• providing updates in the marketplace
• renewal rate analysis
• examination of underwriting options
• plan marketing when necessary
• outlining tax changes or government changes that can affect your program
• avoiding duplication of coverage with respect to government programs