Our primary objective in an environment of dramatically rising health costs is to help all levels of management focus on how the benefits program supports the compensation objectives of the organization as a whole. Pharmacy Benefit Management, Flex Plans and Health Spending Accounts are several examples of the various strategies we believe are the core ingredients in today's benefit plans.

Marketing your benefit programs provides an opportunity to assess the most attractive financial arrangements, negotiate rate guarantees, and take advantage of new administrative and claims technology. We take responsibility for drafting and distributing marketing specifications, interpreting the results, arranging finalist interviews and helping you make a decision you will be happy with in the long-term. Implementation of any new plan or benefit is orchestrated by our office, utilizing our excellent business relationships in the group insurance marketplace.

Based on what is best for the client, we will offer suggestions on underwriting arrangements. We assess the appropriateness of the underwriting methods such as Self-Insured, Administrative Services Only, Pooled Method, Experience Rating, etc. and the appropriateness of the risk exposure (i.e. Large Amount Pooling). Development of cost-containment and plan restructuring strategies including the design of Flex Benefits or Health Spending Accounts, often billed as an additional cost - are included in our remuneration structure.