populations and can include an employee survey to identify providers
utilized most frequently. Are access fees reasonable considering the
discounts received? What is the net savings to the employer after
application of the fees and actual paid claims? How is capitation under an
HMO contract affecting your rates?
Problem Resolution-We will act on
your behalf to resolve concerns and provide solutions to benefit payment
issues and other administrative concerns. We have vast experience in
dealing with claim departments and resolving not only the problem at hand,
but problems which are a result of plan design or administrator
interpretation. We look to keep problems from reoccurring.
Negotiations-Coordination of all carrier/administrator contracts
including negotiation of plan provisions and contract analysis. We show
you the options and provide advise on what makes sense and is reasonable.
Claim Data Analysis-We develop
reports tailored to your company needs to supplement carrier/administrator
reports. Included is historical data analysis as well as comparison to
normative data. Updates are usually presented quarterly.
Underwriting-We have substantial
experience with multiple underwriting techniques to evaluate and
customized historical database enables us to accomplish budget
recommendations and pre-renewal planning prior to receipt of renewal
Renewal Negotiations-We analyze
and manage the renewal process, conducting all negotiations and providing
cost projections with accruals.
Marketing-Our services include request for
proposals, preliminary market interest surveys and proposal
analysis/comparisons/ recommendations and negotiation. We target our
marketing efforts to a client's particular needs and our specifications
include all the necessary information to get the best possible market
response. Underwriters respond most favorably to our specifications
because we have the experience to know what information they need to
provide their best quote. We organize the information to make it easy to
work with. Underwriters appreciate that and respond with better quotes.
Form 5500 Assistance, Legal Guidance, Compliance, Tax and Disclosure
Issues- We will help any client for whom we are broker/consultant of
record on a full time basis with these issues. By law, actual legal advise
may need to come from our benefit attorneys and will possibly result in
additional charges not included in our fees.
Supplemental Benefits Products-
We keep our clients advised of new and special benefits offers which may
offer cost savings or solve employee relations needs. Products such as
voluntary life insurance with portability, voluntary dental, vision or
even cancer policies can add perceived value to your benefit plan for your
employees. Limited Health Benefit Plans are available for your part-time
employees on a voluntary basis.
We can work for you on a commission basis as a broker or on a fee basis
as a consultant. We are available on a project by project basis or on a
full services basis. You do not need to wait until renewal to use our
services. By engaging our services now you can begin planning for the
future. Choosing to use S&S Benefits Consulting will not disrupt
current arrangements in place for your employees.