Most of the work happens between renewals.
The renewal gets the attention, but the other eleven months decide how it goes. Claims problems, eligibility errors, billing disputes, compliance dates and the trend that becomes next year’s number all run in the background. For proper coverage of an account we work in teams of five, and this is where that matters most.
Each part of the year has an owner.
Nothing sits in one person’s inbox waiting for them to come back from vacation.
Customer Service
Claims and coverage questions from your employees, handled as they come up, so your HR team is not the help desk.
IT
Eligibility files and payroll feeds kept clean, so the carrier bills for the people who are actually on the plan.
Account Manager and Account Executive
The account manager tracks compliance dates and runs the service calendar. The account executive watches the trend that becomes next year’s renewal.
Problems are cheapest in the month they start.
The value of year-round attention is timing: the same problem costs far less found in month three than in month eleven.
Billing Errors
Invoices are checked against enrollment. Some carriers will not adjust a billing error past a fixed window, so an error found late can become a loss.
Large Claims
A large claimant that surfaces mid-year is a problem you can still plan around. The same claimant found at renewal is a number you absorb.
Missed Dates
Notices, filings and attestations tracked on one calendar, so a deadline is met rather than discovered.
By renewal, there are no surprises left.
Everything tracked through the year becomes the starting point for the next renewal.
Claims Read as They Develop
Trend and large claims followed monthly, so the renewal number can be predicted before it arrives.
A Clean Census
Accurate eligibility data means carriers quote on the right people, which protects the price.
The Number Built Early
The target for the next renewal is set before the market is asked, not after.
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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