Make the decision while every option is still open.
We help you choose with the calendar in mind, so the decision is made while every option is still open.
Timing protects your choices.
What Happens In This Step
We review the comparison with you, make a recommendation and work out the steps and deadlines for the option you choose.
We handle the paperwork and communication timeline so nothing is missed.
What You Get From It
A decision supported by a record of what you considered and why.
If you stay with the incumbent, you do so with a better renewal or a clear reason.
What this step needs and produces.
What We Need
Your decision and any approvals needed.
What We Do
We carry the decision through enrollment and effective date.
What You Get
A completed transition or a renewed plan with a record.
Questions on this topic.
Short answers for agency owners.
What if we miss the deadline?
Options narrow quickly. We tell you the dates at the start so that does not happen.
Do we have to announce a change to caregivers?
If plans change, yes. We help with the communication.
Can we reverse the decision?
Generally not after the effective date, which is why we recommend care up front.
General information, not legal or tax advice. Confirm the rules that apply to your agency with your attorney or tax advisor.
Send us your renewal.
We’ll tell you whether it looks competitive, where we see opportunity, and the five questions we’d put to your carrier. No cost, and no obligation to move anything.
The renewal letter
Your current plan summary
Contribution split by tier
Enrolled counts by tier
Four documents, two more if your group is 50 or more. Nothing else; every extra one is a reason to postpone.
An independent employee benefits consulting firm. We look at the entire benefits program — cost, plan performance, risk and administration.
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