The Health Consultants Group, LLC
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Transcript of The Health Consultants Group, LLC
I N S U R A N C E S O L U T I O N S T H A T W O R K .
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The Health Consultants Group, LLC.
We are the Premier Employee Benefit Specialists in the Northeast
The Health Consultants Group, LLC.
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The Health Consultants Group, LLC. is comprised of
caring professionals who have your best interest at
heart. After opening our doors on May 1, 1994, we’ve
earned the reputation as a respected agency delivering
high quality service. We have the knowledge and
expertise to provide you with the high level of customer
service you expect and deserve.
We will work with you to provide you with a
comprehensive review of the marketplace so that you
are able to make a well-informed decision regarding
your benefit package.
What are you looking for in a Benefits Consultant?
The Health Consultants Group, LLC.
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Health Reform updates and education
Plan design recommendations & strategic planning
Management of vendor relationship
Contribution Strategies
Funding Alternatives
Renewal Negotiations
Benefit Communications
Compliance
Open Enrollment support and education
Develop long range objectives and initiatives
Trusted Advisor
Our Suite of Solutions
Employee Benefits
Medical
Dental
Life/AD & D
Short Term Disability
Long Term Disability
Vision
Long Term Care
Voluntary Benefits
HRA Administration
Employee Assistance Programs (EAP)
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The Health Consultants Group, LLC.
Our Suite of Solutions
Financial Solutions
401K
Profit Sharing
IRA
529 Plans
Small Employer Plans
Key Person Disability
Key Person Life Insurance
Wealth Accumulation
Succession Planning
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The Health Consultants Group, LLC.
Our Suite of Solutions
Property & Casualty
Workers Compensation
Commercial General Liability
Commercial Property
Employee Practice Liability
Employee Benefits Liability
Inland Marine
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The Health Consultants Group, LLC.
L I S T O F O U R S E R V I C E S F O R A L L C L I E N T S
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Core Services
We are on your side….
You have a team of people with one main point of contact, working on your behalf to make sure all of your needs are met!
The Employee Benefit Specialist is the team lead and continues active involvement in all aspects of your account.
Employee Benefits
Specialist
Client Service
Rep
Financial Consultant
The Benefit Center
Wellness Team
Signature Services
Human Resource Services
Eligibility
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The Health Consultants Group, LLC.
Client Services
Our client service team consists of Experienced Insurance Professionals who will help your business run smoothly by working with you to help manage your benefits….
Use US as an extension of your workforce – We will do everything we can to assist you!
Billing Inquiries
Carrier Relationship
Claims Resolutions
Eligibility
Enrollments & Terminations
ID Cards
Issue Tracking
PCP Changes
Prescription Issues
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The Health Consultants Group, LLC.
Core Services
Our suite of core services
• Health Care Reform • Communication • Signature Services • Regulatory Compliance
Client Focus
• Annual Review of your goals • RFP Preparation • Benefit Strategy • Renewal Management • Financial Analysis
Expertise
• Incentive Based Programs • Wellness Programs • Contribution Strategies • Financial Modeling
Innovation
• Vendor Analysis & Selection • Advisory Boards • Platinum Brokerage • Vendor capabilities analysis
Carrier Relationships
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The Health Consultants Group, LLC.
Calendar of Services
Sample Client Service Plan throughout the year.
January February March April May
On-going service
On-going service
On-going service
On-going service
On-going service
Insurance effective date – New plans implemented or renewed
Post enrollment follow -up
Commence Communication strategy
First Quarter Service Meeting
On-going Communication
Post enrollment follow-up
Bill Audit Form Wellness Committee
Wellness Health Screenings
Employee Education
On- site meetings
Introduce Wellness
Crossroads Benefit Central Website
On-site meetings
Wellness Lunch & Learn
Reporting Billing Audit
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The Health Consultants Group, LLC.
Healthcare Reform
We keep you informed….
As your trusted advisor, we work proactively to make Healthcare Reform perform for you:
Webinars
Seminars
Fridays with Phil
Presentations
Announcements
Crossroads Research Zone
Emails
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The Health Consultants Group, LLC.
Communication
The Health Consultants Group, LLC.
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Informed Client
Health Care
Reform Seminars
Legislative Updates
Carrier Updates
Wellness Newsletter
Quarterly Newsletter
Seminar Series
Additional Services
To further enhance your benefit package we provide the following services to you at discounted rates to assist your benefit administration:
Accounting Services
Association Programs
COBRA Services
Employee Assistance Programs
Employment/Labor Attorney
Human Resource Services
Payroll Services
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The Health Consultants Group, LLC.
Endorsements,
Memberships and
Business Affiliates
•Business Affiliates
•Updated: November 2011
Colonial Cooperative
Connecticut Medical Group Management Association (CMGMA)
Connecticut State Medical Society (CSMS)
Connecticut Technology Council (CTC)
Dutchess County Bar Assoc. & Regional Chamber of Commerce
Eastern Connecticut Chamber of Commerce
Food Association
Independent Connecticut Petroleum Dealers (ICPA)
Independent Electrical Contractors of New England
Fairfield County Medical Association (FCMA)
Glastonbury Chamber of Commerce
Pan Gregorian Enterprises of Upper New York
Plumbing & Heating Contractors of Connecticut (PHCC)
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The Health Consultants Group, LLC.
O U R V A L U E A D D E D P R O D U C T S F O R Y O U
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Signature Services
Signature Services
To further enhance your benefit package, we provide service to complement and assist with your benefits administration
Benefit Booklet
Benefit Statement
Employee Handbook
Employment & Labor Attorney
Human Resource Consulting
HR Web
• Research Zone
• Benefit Central
Payroll Services
Wellness Programs
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The Health Consultants Group, LLC.
Solution Value to you
The Health Consultants Group, LLC.
Debit Card Solution
Flexible Spending Accounts
Health Reimbursement
Arrangements
Parking/ Transit
Premium Conversion Plans
A Packaged Service with High
Client Satisfaction
Call Center Support
Web Access-Employee (Debit
Card)
Cafeteria Plan
Non-discrimination Testing
Plan Document
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The Benefit Center
The Benefit Center
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IRS Section 125 Plans:
Premium Only Plan (POP) Pre-tax for employee contributions toward benefit premiums
Flexible Spending Accounts (FSA) For the Employer:
Professional and efficient set-up of your FSA Administration manual containing all the necessary forms and instructions for filing claims Quarterly account activity report and year end analysis report
For the Employee: Claims processing services and weekly issuance of checks from the Administrator’s Trust
Account. Each enrolled employee receives a debit card to access their funds. Pre-tax contributions
Health Reimbursement Arrangement (HRA) Administration Third party administration of claims IRS compliant HIPAA compliant
7 3 - 8 6 % O F M E D I C A L C L A I M S A R E L I F E S T Y L E R E L A T E D
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Wellness
Why do we need Wellness???
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Employer health costs are unsustainable
An aging workforce and the associated increase in chronic health
conditions is driving higher health care utilization
Although the U.S. spends the most per capita on health care, by many
measures health outcomes are worse than in other developed countries
Employers are decreasing or eliminating employee health benefits and
shifting more costs onto their employees
Increased employee contributions to health care can lead to poor
compliance and adherence to preventive and other clinical services
Indirect productivity – related costs are significant
Wellness
We are your partner in Wellness
Wellness Life Coach
Customized Wellness Programs
Carrier Liaison
Lunch & Learn Programs
Health Risk Analysis
Certified Nurse Assistant
Blood Pressure Screenings
Body Composition
Cholesterol Testing
Wellness Newsletter
Wellness Website
On-going communication
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The Health Consultants Group, LLC.
We are the organization to work with to help meet your objectives
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Attentive day-to-day service delivered by a local team
Access to the best suite of tools and technology to analyze data, keep you informed or outsource your administration
Leading brokerage and consulting firm in the Northeast
Ability to deliver best in class strategy and leadership as well as the best financial negotiations
One stop shopping!