SERVICES

SERVICE APPROACH

Planning:

We take you through the decision process starting with an understanding of why and how you offer benefits to your employees, your business dynamics and insight into the regulatory and competitive landscape of the insurance arena. We also provide you with an overview of the insurance marketplace and the offerings available to you, including potential pitfalls. As a business owner, a business consultant and a prior Chief Financial Officer of a public entity, Mary Collins is uniquely qualified to see possible solutions from your vantage point.

After we better understand your business issues, we will work with you to design the program and to gather the necessary demographics and financial data we need. We then go out to the insurance marketplace to get bids from insurance carriers to get the financial and benefit information we need to further fine-tune the design. Our findings are presented to help you understand the alternatives from both a financial and benefit-quality perspective. Based on the results of our discussions, we work with the carriers to finalize the best alternative for your company, keeping you informed throughout the process.

Implementation:

Once the final determination has been made, we will work with you and your team to implement the program. Our services include planning the communication process, and outlining timetables and responsibilities. We will help you draft employee communications and design how your employees will be educated about the offerings. Our educational process may include printed or on-line materials and on-site or webinar-based meetings. The process is designed to meet your business environment and the needs of your employee population.
Once the employees have made their benefit selections (either through an on-line enrollment or completion of paper forms), we will help your review the information for completeness and shepherd the case through the carrier’s underwriting process, verifying that the information is presented appropriately and any changes are handled and properly communicated to you and the employees.

Ongoing Support and Communication:

After the program has been implemented, we continue to work with you to:

Develop new employee educational packages

Establish on-line enrollment and benefit queries for your employees (as desired)

Assist you with billing and other administrative issues

Assist your employees in claim escalation issues

For you, the employer, we:

Provide a web-based tool to allow for streamlined communication with us and with your employees

Assist you with billing and other administrative functions (membership and other) including educating you on the resources available to you from the carriers and from other sources

Provide you with backup for employee claim issues and benefits questions

Help you determine the regulatory environment as it relates to the benefits and help you to implement solutions

Assist you with HIPAA and COBRA compliance administration using certified COBRA and HIPAA administrators