SOLUTIONS
       Brokerage Solutions

All brokerage services are provided by one of our Principals or Lead Consultant, and our Principals and Lead Consultant have an average 37-years’ experience & expertise, and have served with multiple and various National top-rated companies in different fields within the Healthcare & Insurance Industries.  All of our brokerage services are -- GENERALLY PROVIDED AT NO COST TO THE EMPLOYER.

 

We have served on the Field Advisory Boards (FAB) for many of the leading National carriers, helped them develop their product offerings, and have created our own special products available only through our company.  We have extensive relationships with and profound influence on the leading National carriers within the Insurance Industry.  Therefore, we are able to fully-customize plans or create brand new "Best-in-Breed" offerings, and obtain lower cost premiums.

 

Our brokerage services include:  all RFP preparation, production of documents, negotiations, evaluation of proposals, and implementation.  Moreover, we continue to manage the carriers’ performance, and provide a comprehensive and full-suite of services to administer the program and handle all employee questions, concerns, and claims.

We are totally independent of all vendors & carriers, and do not limit our search to just a few vendors or carriers, but seek only the “Best-in-Breed” offerings from among all of the industry leaders for each product, program, or service.

We only partner with top-rated Benefits vendors in each field, whose benefit programs, services, processes, etc. provide superior outcomes and savings.  Through our partnerships, we are able to obtain exceptional greatly reduced pricing for our clients.

 

We do not provide “standard” or “off-the-shelf” insurance product designs.  All designs are truly creative, based on the client’s demographics, entire benefit program, plan designs, utilization, etc.  We design plans to coordinate with all other benefits to maximize and enhance the coverages, and eliminate duplication, offsets, and wasted premium.  Our goal is to design the plan to provide maximum coverage for services and benefits most commonly utilized and needed, at rates that are affordable to employees, and at the most inexpensive rates possible.  

 

We have served on the Field Advisory Boards (FAB) for many of the leading National carriers, helped them develop their product offerings, and have created our own special products available only through our company.  We have extensive relationships with and profound influence on the leading National carriers within the Insurance Industry.  Therefore, we are able to fully-customize plans and obtain lower cost premiums.

 

And….if our customized plan designs are not available through the carriers, we work with the carriers to create new and unique "Best-in-Breed" products.

We serve our clients’ companies as though they were our own company.  We serve as an extension of the company’s benefits team to ensure the plans, programs, and services we developed for them have the full support they need to run smoothly, seamlessly, and efficiently, and are redesigned as needed to provide the benefits most commonly utilized and needed, at rates that are affordable to employees, and at the most inexpensive rates possible.  

 

Our service model is unique, because it encompasses a comprehensive & all-inclusive range of services to ensure a superior and successful program, including: brokerage, coordination & integration with other benefits, RFP, implementation, enrollment, administration, Advocacy Call Center, Concierge Claims Center, billing, interfacing with vendors’ systems, evaluation, strategic planning & analysis, etc. -- GENERALLY PROVIDED AT NO COST TO THE EMPLOYER.

 

We personally provide all services, in house, which is unique within our industry, so that we can ensure the proper and deserved care of our clients. 

 

We provide a single toll-free number for a one-stop shop for handling all questions, concerns, and claims.  We staff an Advocacy Call Center and Concierge Claims Processing Center for handling all questions, concerns, claims, etc.  Members never have to talk to the carriers, which can often be an extremely frustrating and disheartening experience.  We handle everything to ensure members are properly treated and get what they deserve.

We rather uniquely maintain and provide an in-house comprehensive billing solutions service -- Creative Billing Solutions, LLC -- to ensure proper invoicing and payment -- GENERALLY PROVIDED AT NO COST TO OUR CLIENTS.

To reduce the administrative burden of having to process invoices from a multitude of vendors with various billing cycles, we consolidate the billing, so that only one payment is made, and we handle all payments and problems related to the billing.

 

Furthermore, we handle all billing reconciliation.  We audit every invoice to ensure the accuracy of the charges and the timeliness of payments.  These solutions provide our clients with free billing and auditing services that they would, otherwise, have to spend time and money on, or pay a hefty price to another vendor to perform. 

We rather uniquely assume all responsibilities for the proper administration of the insurance plans, programs, and services.  We take all of the aggravation, complexity, confusion, extra administrative work, employee noise, and all other burdens off our client’s staff -- GENERALLY PROVIDED AT NO COST TO THE EMPLOYER.

 

We are very involved from the beginning to the end, and all throughout the implementation of the plans, programs, and services.  We work with our clients and their consultants, brokers, carriers, and all 3rd parties to establish the benefits administration requirements & rules, processes, file feeds, etc., to ensure a smooth and seamless implementation.  We also continue to monitor and manage the Benefits Administration vendor and carriers to ensure eligibility and proper enrollment of members.

 

In addition, also rather uniquely , we, ourselves, provide an Advocacy Call Center and Concierge Claims Processing Center, to fully serve all of the members’ needsWe personally handle all member questions, concerns, claims, etc.  This allows us to provide everything needed to ensure complete satisfaction and a truly remarkable customer service experience for all members.  

We rather uniquely establish interfaces with our carriers’ systems, so we can monitor and manage the eligibility and proper enrollment of our members,  -- GENERALLY PROVIDED AT NO COST TO THE EMPLOYER.

 

Also rather uniquely , we establish interfaces with the providers’ systems, so we can coordinate and integrate services to ensure claims are filed and paid, even when members forget they even have the coverage or forget to file their claims.

IT Management

As a leading National Benefits company, we maintain strong strategic partnerships with numerous major top-rated Healthcare & Insurance vendors in various fields within the Healthcare & Insurance Industries, especially with those whose clientele are in the Fortune 500 and Fortune 1,000.

 

These partnerships allow us to:  have access to and fully utilize the “Best-in-Class” benefits & services available; coordinate and integrate companies’ benefit plans, programs, and services; and create new joint products & services based on our clients’ wants and needs.  These arrangements are  truly  unique within the Benefits & Insurance Industries, and drive greater Health Plan Efficiency for our clients, which translates to lower costs, superior outcomes and greater savings.

   CLIENT ADVOCACY & CONCIERGE
         SERVICES SUPPORT CENTER

At the heart of the unique services we provide to our clients and their employees, is our all-inclusive full-service Advocacy & Concierge Support Center

 

In addition to our handling of all service and administrative responsibilities for our clients, we provide a single toll-free number, one-stop shop -- a full-service Advocacy Call Center and Concierge Claims Processing Center -- for personally and individually handling all member questions, concerns, claims, etc related to the benefits we provide.  Members never have to talk to the carriers, which can often be an extremely frustrating and disheartening experience, nor do our clients have to invest any additional time, monies, or resources.  We handle everything to ensure members are properly treated and get what they deserve, and to ensure complete satisfaction and a truly remarkable customer service experience for all members -- GENERALLY PROVIDED AT NO COST TO THE EMPLOYER.

Client members will be speaking with trained and qualified professionals who have the time, training, tools, resources, and experience to handle any issue needing resolution.   Our personnel take responsibility and ownership of any issue and follow through to a rewarding and satisfactory conclusion.  Our staff professionals do not just answer questions and provide information, they assertively promote favorable outcomes for members, and actually help process, coordinate, and manage efforts to ensure them.