crg professional services 2010
TRANSCRIPT
About Us . . . . . Founded 1982 Locally Owned & Operated By:
Steve Brookshire, CLU Bob Cox, RHU Carol Dobbs, RHU Ruppert Reinstadler, RHU
Representing over 40 quality national and local insurance companies.
Servicing hundreds of Oregon and Washington Employer Groups.
Member of the National Association of Health Underwriters (NAHU).
About Us . . . . .
CRG is a proud Participant in the HRBA Group. Our participation in this national group of affiliated independent Human Resources and Benefits Advisors gives our clients more ways to reduce operational costs and simplify the administration of human resources, benefits and payroll.
Our Mission
Extraordinary ServiceAt Coordinated Resources Group we work hard to earn your business by selling quality insurance products and following through with the professional service you deserve.
Our compensation comes from commission’s payable by the insurance carriers we represent. As a result, there are no extra costs for clients to use our services.
To earn your trust, confidence, and continued business, we are pleased to provide the following services:
Consultation
“In today’s challenging economic climate, health insurance is the largest single employee benefit expense . As a result it is essential for employers to provide cost effective employee benefit solutions.”
We ask questions to determine your needs and objectives.
We strive to understand the special nature of your business or organization.
Consultation
Quality Insurance Companies
Market Research An RFP (Request For Proposal) is developed
based on the needs and objectives identified in our consultation.
The RFP is sent to several qualified insurance carriers and/or administrators.
RFP responses are reviewed to determine if they meet client objectives and needs.
Plan Comparisons
We summarize the most competitive quotes on an easy to understand spreadsheet that . . .
Compares Plan Features
Compares Benefits
Calculates Premium Savings
Sample Plan ComparisonREGENCE BCBSO BLUE PREFERRED PROVIDENCE HEALTH PLAN
PLAN HIGHLIGHTS IN NETWORK OUT OF NETWORK PE 20/20/2000/500DDeductible $500 $500Family Deductible 3 Ind Ded Per Family $1,500Insurance Pays 80% 60% 80% Less Co-PayOut of Pocket Per Member $2,000 + Ded $8,000 + Ded $2,000 + DedOut of Pocket Per Family $2,000 X # Mbrs + Ded $8,000 X # Mbrs + Ded $6,000 + DedLifetime Maximum $2,000,000 $2,000,000Pre-existing Conditions 6 Months Covered Immediately
PHYSICIAN SERVICES Ded Waived** **Ded WaivedOffice Calls $20 Co-Pay PP/$40 Spec/** 60% $20 Co-Pay/100%**Preventive Exams $20 Co-Pay/$200 Max** Not Covered $20 Co-Pay PPP Only**Outpatient Surgery 80% 60% 80%Inpatient Surgery 80% 60% 80%
FACILITY SERVICES Hospital Inpatient 80% 60% 80%Emergency Room $100 Co-Pay/80% $100 Co-Pay/80%/60% $125 Co-Pay/100%**Urgent Care Facility $20 Co-Pay PP/$40 Spec** 60% $25 Co-Pay/100%**
PRESCRIPTION DRUGS 3TC35 $10/$35/$50 Participating Pharmacy Rx 15/45
Tier 1 (Pharmacy/Mail Order) $10 Co-Pay/$30 Co-Pay Only $15 Co-Pay/$30 Co-PayTier 2 (Pharmacy/Mail Order) $35 Co-Pay/$105 Co-Pay $45 Co-Pay/$135 Co-Pay Tier 3 (Pharmacy/Mail Order) $50 Co-Pay/$150 Co-Pay N/ASupply (Pharmacy/Mail Order) 34 Days/90 Days 30 Days/90 Days
OTHER SERVICES Lab and X-Ray 1st $500**/80% 60% 80%**Vision Optional Optional 80%**Chiropractic Included in Alternative Care Not Covered OptionalAlternative Care $20 Co-Pay/100% $15 Co-Pay/$1,500 Max
PREMIUM SUMMARY 4T
Employee 26 $357.80 $328.91Employee + 1 10 $751.40 $690.73Employee + Family 15 $1,073.35 $958.77Employee + Child(ren) 18 $586.75 $524.71
Monthly Total $43,478.55 $39,285.29
ANNUAL PREMIUM $521,742.60 $471,423.48ANNUAL SAVINGS (COST) ($142,410.00) $50,319.12
Preferred Network (PPP)RENEWAL RATES
Compares important plan provisions
Compares specific benefits
Compares premiums
Calculates annual premium savings
PresentsPresents
Employee Benefit Meetings
PLAN FEATURES
HEALTH PLAN
Annual Individual DeductibleAnnual Family Deductible
Annual Individual Out-of-Pocket Max $3,000 $9,000Annual Family Out-of-Pocket Max $9,000 $27,000Maximum Lifetime Benefit $2,000,000 $250,000
$3,000
In-Network Provider
Out-of-Network Provider
STANDARD PPO PLAN
$1,000
CRG Website Relevant, timely, and helpful information Online quotes for individual/family health insurance Online quotes for term life insurance Portal to customized client websites
Client Websites Client specific customization Benefit information available through portal 24/7/365 HR Version available for group administrator
www.crginsurance.com
HR and Benefits Technology Demo Center
Weekly HR Newsletter
HR Navigator
HR Essentials
Our Mission
Thank you for your time and consideration!
5440 SW Westgate Drive, Suite 325Portland, Oregon 97221
(503) 297-8401 or (800) 297-8401