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Agency Philosophy

Benefits over features

For over 50 years, our agency has provided risk management products and services to business and individuals alike.  With a focus on solving our clients’ problems, we offer a unique approach.  Our goal is to communicate the benefits of an insurance program rather than the features of an insurance policy.  In considering such insurance programs, we urge our clients to evaluate not only the premium, but also the Agency and the Insurance Companies it represents.

Risk Management refers to the evaluation of exposures to various risks and the management of such risks by:

¨       Transferring them to a third party

¨       Absorbing them, or

¨       Avoiding them altogether

Since we operate in a rapidly changing environment, managing risk is a process not an event.  The process requires not only expertise, but also attentiveness.  In fulfilling our commitment to Risk Management, we:

1)    Evaluate all exposures

2)    Separate exposures into insurable and uninsurable

3)    Determine the effectiveness of utilizing insurance on insurable exposures and reducing (or avoiding) uninsurable exposures

4)    Analyze the financial strength of Insurance carriers

5)    Work with management and ownership to implement decisions

The following are included in the qualities we look for in an insurance company.

¨       Professionalism

¨       Financial Integrity

¨       Commitment

¨       Ease of doing business (Underwriting through Claims)

¨       A nationwide and worldwide claim handling network

¨       A system to minimize claim handling expenses through means including

à         Close medical control

à         Rehabilitation Services/Activities

¨       Expertise in and the pursuit of subrogation

Benefits: Services We Perform

As your broker, we provide the following services and support to your company:

·         Personalized Employee Consulting

o    Under the Affordable Care Act, employees will be offered many MORE choices in terms of insurance plans.  We are available to provide  YOUR employees with personal assistance and to consult them in finding the plan that best suits their personal needs

o    Through Total Insurance your employees can have access to the Public and/ or Private Exchanges.

·         Research and analyze client’s groups benefits needs and physician networks

o    Review current plans and level of satisfaction

o    Determine key person’s objectives

o    Collect census

·         Survey the marketplace for appropriate plans and carriers

o    Analyze the available carriers and plans

o    Check that key person’s physicians are in proposed network

o    Benchmark existing plan against National data

·         Present plan alternatives that meet client’s benefits and budgetary needs

o    Prepare presentation

o    Explain plan differences

·         Define eligibility

o    Explain the requirements for group coverage

o    Acceptable waivers

o    Participation requirements

·         Prepare master application, supporting documents and employee enrollment

o    Multi-Carrier Online Enrollment and Underwriting

o    Group Application which defines the terms of the plan

o    Eligibility documents supplied by group and included with the application

o    Employee enrollments completed by employees defining their status and named dependents

·         Educate employees about their plan

o    Install incentive based Wellness Programs

o    Install the plan upon acceptance by the carrier

·         Support your client’s employee benefits and HR needs

o    Provide personal claims concierge service

o    Provide access to an online Human Resource Library, called HR360

o    Be available to respond to questions regarding the plan, claims and eligibility

o    Keep clients ahead of the curve by notifying them of changes in laws—issues that will directly impact their businesses

o    Provide customer support throughout the plan year such as enrollment changes, claims and insurance I.D. cards

o    Provide support when COBRA issues come up or mini-COBRA needs for less than 20 employees

·         Help with open enrollment issues

o    Provide support at open enrollment time with explaining choices and assisting enrollment

·         Provide documentation such as SPDS when needed

o    Arrange to provide the documents at inception and for changes in the plan

·         Facilitate renewal and eligibility verification

o    Provide explanation of renewal

o    Design plan alternatives in line with budget and priorities

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