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Our first phase starts with listening to you describe your current employee benefit situation, the economic climate you are working within, current issues and concerns and your ideas and goals for the future. We will gain additional employee benefit data and begin an evaluation process that incorporate economic goals and employee satisfaction levels.
The second phase internal evaluation consists of many factors. Most importantly however are your own goals and objectives. In addition we will analyze your group's age, gender, types of coverage, benefit plan levels, conditions that may cause employee dissatisfaction, and the level os residual administration work done by your Human Resource staff and the level of technology utilized by the current healthcare supplier.
Phase three is determining the funding type and potential for risk sharing. Although group size is a factor in determining insured or self-funded opportunities other factors are considered including your own financial situation and tolerance for risk. During this stage all options are considered including self-funding, fully-insured, alternative finding such as wrap plans, HRA and HSA designs.
At the end of phase three we will advise you of the next steps only if our analysis indicates that we can enhance your current economic position, increase service and performance and meet the goals and objectives determined in phase one.
Phase four culminates in going to the marketplace to find the best matches for your specific situation. We will compile the results and deliver the findings in a presentation meeting.