SMALL BUSINESS VALUE PROPOSITION 
Small Business Services (Designed for companies with 2 - 50 employees).

1. Initial Benefit Audit - includes analysis of current benefits, rates, contribution strategies, and review of recent renewal and census.
   
   
2. Development of Benefit Strategy - based on initial audit, we devise and carry out our Benefits Strategy, designed to obtain initial rate offers from other insurance companies as a market comparison to your current program.
   
   
3. Presentation of Benefit Proposal - we will condense dozens of pages of carrier bid information into a customized, informative, and easy to understand proposal representing our findings in the marketplace. Our proposals weigh various benefit options with top-rated small group carriers, all the while considering the rating ramifications involved.
   
   
4. Implementation - we oversee the continuation of your current program, or the change to a new carrier via customized employee communications and open enrollment meetings. The implementation period will resume until you have been provided until you have been provided your first bill and all ID cards have been distributed.
   
   
5. Additional/Ongoing Services - throughout your policy year you will be provided with ongoing services offering daily support of any issues that may arise within your benefit program. Our Small Business Account Management Team provides internal support, always just a phone call away. They can handle both employee and employer related issues. In addition to account management we offer the following complimentary tools and resources:
   
   
   A.   HIPAA Privacy Manual with Compliance Checklist - this manual gives you free unlimited access to an online reference that covers the extensive world of the HIPAA Privacy Rule as well as preferred pricing on additional training and tools. There are over 50 sample policies, forms, and agreements you can use and modify for your organization. Hard copy HIPAA manuals could cost your company upwards of $500. This manual is endorsed by the Society of Human Resource Managers (SHRM).
   
   B.   Benefit Essentials - includes access to recent and proposed regulations (including HIPAA, Cobra, and ERISA) as well as sample forms and model documents, government information and related links.
   
   C.   Industry News - your access to Employee Benefit News. The articles within Employee Benefit News are updated once a week to give you fresh information on what is going on in the benefits and human resources arena.
   
   D.   Employee Communications - you are welcome to any of our professional communication pieces, including a template for your own employee handbook.
   
   
6. Pre-Renewal Process - 75 days in advance of your renewal we will send you a letter requesting some general information, including a current employee census and most recent carrier bill. With this, we begin the Benefit Strategy process (refer to Step 2 above), far in advance of your renewal date. This process ensures that we will have ample time to complete our due diligence on your behalf. In addition, we allot more than enough time to potentially change carriers or alter benefits. Our Pre-Renewal process has proven to work wonders for our current client base, eliminating the last-minute rush to which you may be acustomed.

   To find out more information, or to just check out the rates for group health insurance, fill out our no obligation group health insurance quote form.