the health consultants group, llc

I N S U R A N C E S O L U T I O N S T H A T W O R K .

F A R M I N G T O N V A L L E Y C O R P O R A T E P A R K

4 0 C O R P O R A T E A V E N U E

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The Health Consultants Group, LLC.

http://www.myhcg.com/

We are the Premier Employee Benefit Specialists in the Northeast


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The Health Consultants Group, LLC. is comprised of

caring professionals who have your best interest at

heart. After opening our doors on May 1, 1994, we’ve

earned the reputation as a respected agency delivering

high quality service. We have the knowledge and

expertise to provide you with the high level of customer

service you expect and deserve.

We will work with you to provide you with a

comprehensive review of the marketplace so that you

are able to make a well-informed decision regarding

your benefit package.

What are you looking for in a Benefits Consultant?


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Health Reform updates and education

Plan design recommendations & strategic planning

Management of vendor relationship

Contribution Strategies

Funding Alternatives

Renewal Negotiations

Benefit Communications

Compliance

Open Enrollment support and education

Develop long range objectives and initiatives

Trusted Advisor

W H A T D O W E O F F E R Y O U ?


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Our Suite of Solutions


Employee Benefits

Medical

Dental

Life/AD & D

Short Term Disability

Long Term Disability

Vision

Long Term Care

Voluntary Benefits

HRA Administration

Employee Assistance Programs (EAP)

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Financial Solutions

401K

Profit Sharing

IRA

529 Plans

Small Employer Plans

Key Person Disability

Key Person Life Insurance

Wealth Accumulation

Succession Planning

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Property & Casualty

Workers Compensation

Commercial General Liability

Commercial Property

Employee Practice Liability

Employee Benefits Liability

Inland Marine

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L I S T O F O U R S E R V I C E S F O R A L L C L I E N T S


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Core Services

We are on your side….

You have a team of people with one main point of contact, working on your behalf to make sure all of your needs are met!

The Employee Benefit Specialist is the team lead and continues active involvement in all aspects of your account.

Employee Benefits

Specialist

Client Service

Rep

Financial Consultant

The Benefit Center

Wellness Team

Signature Services

Human Resource Services

Eligibility

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Client Services

Our client service team consists of Experienced Insurance Professionals who will help your business run smoothly by working with you to help manage your benefits….

Use US as an extension of your workforce – We will do everything we can to assist you!

Billing Inquiries

Carrier Relationship

Claims Resolutions

Eligibility

Enrollments & Terminations

ID Cards

Issue Tracking

PCP Changes

Prescription Issues

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Core Services

Our suite of core services

• Health Care Reform • Communication • Signature Services • Regulatory Compliance

Client Focus

• Annual Review of your goals • RFP Preparation • Benefit Strategy • Renewal Management • Financial Analysis

Expertise

• Incentive Based Programs • Wellness Programs • Contribution Strategies • Financial Modeling

Innovation

• Vendor Analysis & Selection • Advisory Boards • Platinum Brokerage • Vendor capabilities analysis

Carrier Relationships

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Calendar of Services

Sample Client Service Plan throughout the year.

January February March April May

On-going service

On-going service

On-going service

On-going service

On-going service

Insurance effective date – New plans implemented or renewed

Post enrollment follow -up

Commence Communication strategy

First Quarter Service Meeting

On-going Communication

Post enrollment follow-up

Bill Audit Form Wellness Committee

Wellness Health Screenings

Employee Education

On- site meetings

Introduce Wellness

Crossroads Benefit Central Website

On-site meetings

Wellness Lunch & Learn

Reporting Billing Audit

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Healthcare Reform

We keep you informed….

As your trusted advisor, we work proactively to make Healthcare Reform perform for you:

Webinars

Seminars

Fridays with Phil

Presentations

Announcements

Crossroads Research Zone

Emails

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Communication


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Informed Client

Health Care

Reform Seminars

Legislative Updates

Carrier Updates

Wellness Newsletter

Quarterly Newsletter

Seminar Series

Additional Services

To further enhance your benefit package we provide the following services to you at discounted rates to assist your benefit administration:

Accounting Services

Association Programs

COBRA Services

Employee Assistance Programs

Employment/Labor Attorney

Human Resource Services

Payroll Services

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Endorsements,

Memberships and

Business Affiliates

•Business Affiliates

•Updated: November 2011

Colonial Cooperative

Connecticut Medical Group Management Association (CMGMA)

Connecticut State Medical Society (CSMS)

Connecticut Technology Council (CTC)

Dutchess County Bar Assoc. & Regional Chamber of Commerce

Eastern Connecticut Chamber of Commerce

Food Association

Independent Connecticut Petroleum Dealers (ICPA)

Independent Electrical Contractors of New England

Fairfield County Medical Association (FCMA)

Glastonbury Chamber of Commerce

Pan Gregorian Enterprises of Upper New York

Plumbing & Heating Contractors of Connecticut (PHCC)

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O U R V A L U E A D D E D P R O D U C T S F O R Y O U


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Signature Services

Signature Services

To further enhance your benefit package, we provide service to complement and assist with your benefits administration

Benefit Booklet

Benefit Statement

Employee Handbook

Employment & Labor Attorney

Human Resource Consulting

HR Web

• Research Zone

• Benefit Central

Payroll Services

Wellness Programs

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I R S S E C T I O N 1 2 5 P L A N S


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The Benefit Center, LLC.

Solution Value to you


Debit Card Solution

Flexible Spending Accounts

Health Reimbursement

Arrangements

Parking/ Transit

Premium Conversion Plans

A Packaged Service with High

Client Satisfaction

Call Center Support

Web Access-Employee (Debit

Card)

Cafeteria Plan

Non-discrimination Testing

Plan Document

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The Benefit Center

The Benefit Center


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IRS Section 125 Plans:

Premium Only Plan (POP) Pre-tax for employee contributions toward benefit premiums

Flexible Spending Accounts (FSA) For the Employer:

Professional and efficient set-up of your FSA Administration manual containing all the necessary forms and instructions for filing claims Quarterly account activity report and year end analysis report

For the Employee: Claims processing services and weekly issuance of checks from the Administrator’s Trust

Account. Each enrolled employee receives a debit card to access their funds. Pre-tax contributions

Health Reimbursement Arrangement (HRA) Administration Third party administration of claims IRS compliant HIPAA compliant

7 3 - 8 6 % O F M E D I C A L C L A I M S A R E L I F E S T Y L E R E L A T E D


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Wellness

Why do we need Wellness???


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Employer health costs are unsustainable

An aging workforce and the associated increase in chronic health

conditions is driving higher health care utilization

Although the U.S. spends the most per capita on health care, by many

measures health outcomes are worse than in other developed countries

Employers are decreasing or eliminating employee health benefits and

shifting more costs onto their employees

Increased employee contributions to health care can lead to poor

compliance and adherence to preventive and other clinical services

Indirect productivity – related costs are significant

Wellness

We are your partner in Wellness

Wellness Life Coach

Customized Wellness Programs

Carrier Liaison

Lunch & Learn Programs

Health Risk Analysis

Certified Nurse Assistant

Blood Pressure Screenings

Body Composition

Cholesterol Testing

Wellness Newsletter

Wellness Website

On-going communication

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? ? ? ? ?


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Why partner with The Health Consultants Group,

LLC.

We are the organization to work with to help meet your objectives


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Attentive day-to-day service delivered by a local team

Access to the best suite of tools and technology to analyze data, keep you informed or outsource your administration

Leading brokerage and consulting firm in the Northeast

Ability to deliver best in class strategy and leadership as well as the best financial negotiations

One stop shopping!

Thank You


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www.myhcg.com

800.367.2482

http://www.myhcg.com/

the health consultants group, llc

Documents

health reform updates

following services

suite of solutions

teamresource center

insurance solutions

benefits consultant

suite of core annual

youreligibility business