• Prepare renewal package for presentation to management.
  
• Prepare alternatives within the current carrier and prepare quotes from suitable carriers in a concise format.
  
• Negotiate for a lower rate.
  
• Make plan design recommendations to provide better benefits or to reduce premium.
  
• Review certificates to be sure they contain the wording that is most beneficial and so that benefits are not modified unexpectedly when changing carriers.
  
• Conduct employee enrollment meetings providing education on plan design, plan changes, how to best utilize benefits offered, Flexible Spending Accounts,
• Health Savings Accounts and Health Reimbursement Accounts.
  
• Compare networks of various medical plans to find the best match for company locations.
  
• Online enrollment is available for initial enrollment with most carriers.
  
• Customize information for employees, e.g., how to look up providers for all the carriers and how to read Explanation of Benefits.
  
• Assist carriers in producing enrollment kits or prepare custom enrollment documents.
  
• Update plan information, rates and enrollment forms with COBRA administrator.

• Concierge level of service working directly with HR and employees as needed to provide assistance in locating in network providers, understanding claims payments and appealing claims as needed.
  
• Assist with billing issues. Assist with claims resolution including following up with carriers, emailing or calling employees, and assisting with drafting of letters of appeal.
  
• Keeping HR informed of how health care reform and other legislation will impact the group.
  
• Healthcare Strategy Builder Software analysis is available to provide a report that lays out the costs and options available to clients as health care reform unfolds.
  
• Assist in training HR personnel when new HR assistants are hired.
  
• Providing a “heads up” when there are changes, e.g., physicians changing locations, pending negotiations between networks and providers and upcoming contract changes.

• Benefits portal and open enrollment portals.
  
• Payroll services.
  
• COBRA administration, Flexible Spending Accounts, Health Savings Accounts and Health Reimbursement Accounts.
  
• Wellness programs.
  
• Bill reconciliation.

All insurance carriers have been cutting back on personnel and as a result it is more important than ever to have a broker who is familiar with your company and employees and who will advocate on your behalf. Jennifer’s distinctive longevity in the industry ensures that your company’s healthcare needs and other benefits are met with a degree of service that has few peers. She is your advocate through the complex maze of group benefits and the implementation of the Patient Protection and Affordable Care Act. Regardless of what your goals and concerns may be, Jennifer has the career knowledge and expertise backed by a team of professionals working within the industry to get your questions answered and provide you with the best customer service possible.