Northern Benefits Capabilities Presentation

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Northern Benefits Capabilities Presentation
Your Logo Here

• Value Management for Employee Benefits

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Overview

• We are a Full Service Benefits Brokerage
• Employee Benefits are Our Specialty, Not a Side
  Line
• 6 Offices Servicing Vermont and Maine
• Expert Staff of Professionals with Decades of
  Industry Experience
• We Represent over 800 Group Benefit Programs

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Mission Statement

• Northern Benefits is Dedicated to Bringing True
  Value to The Companies and Employees We Serve.
• We Work in Concert with You, to Analyze the
  Employee Benefit Needs of Your Business and
  Employees. We Use our Experience, Products and
  Technology to Create the Best Value For Your
  Business in the Design, Administration and
  Communication of Your Program.

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Northern Benefits Services

• Complete Market Analysis
• Underwriting Review
• Rate justification review
• Industry Trends
• Claims History (when applicable)
• Demographic Review
• Plan Design Alternatives
• Packaging Discounts
• Consumer Driven Programs
• HSA's
• HRAs

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Northern Benefits Services(continued)

• Geo Access Provider Network Comparison
• Alternative Plan Funding
• Self Funding
• Fully Insured
• Partially Self Funded
• Rate and Carrier Negotiations
• Benchmarking
• Cafeteria Plan Development
• Enrollment Education

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Northern Benefits Services(continued)

• Communications
• Northern Connections
• Web-Based Employee Benefits Self-Service Portal
• 24/7 Internet Access ID and Password Protected
• Branded With Your Logo and Message
• Paperless Enrollment
• New Hire Orientation and Recruitment

• Communicate Company
• News, Events and More
• Wellness and Work Life Balance Library
• Financial Information and Calculators
• Health Research Tools
• Hidden Paycheck Electronically and Print
• Web-to-Print Portal

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Northern Benefits Services(continued)

• Communications
• On-site Employee Group and One-on-One Meetings
• Enrollment
• New Hire Orientation
• Newsletter Articles
• Payroll Stuffers
• Fliers and Announcement Letters
• Customized Employee Hidden Paycheck Programs

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Northern Benefits Services(continued)

• Compliance
• Northern Connections
• Summary Plan Descriptions with ERISA Required
  Language
• Updates on State and Federal Mandates
• HIPAA Manual and Checklist
• Electronically Secured HIPAA Compliant Web Portal
• Complete Research Tools
• Secured Back Up on Server

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Northern Benefits Services(continued)

• Ongoing
• Quarterly Claims Review
• Loss Ratios
• Prescription Drug Utilization
• Claims Drivers and Suggested Interventions
• New Hire Orientation
• Administrative Training
• Claims Appeals
• Billing Audits

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Northern Benefits Products

• We Represent All Major Insurers
• Medical
• Dental
• Life
• Disability
• Employee Assistance
• Vision
• Long Term Care
• Travel Assistance
• Flexible Benefits
• Professional HR Consultation

• Voluntary Products
• Mini Medical Plans
• Disability
• Dental
• Bridge or Gap Plans
• Accident
• Life
• Critical Illness
• Cancer
• Vision

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Northern Benefits Partnersa partial list.

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Our Costs

• Typically our Fees are Paid by The Insurer and Do
  Not Cost You More, However our Service will Add
  Real Value
• On Fee-Based Programs, Northern Benefits is
  Extremely Competitive . We Have Low Operational
  Costs Because of Our Expertise and Advanced
  Technology

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Why Northern Benefits..

• The Value we Deliver as Your Benefits Broker is a
  Combination of Experience, Product Knowledge,
  Technology and Dedicated Service to Assist You in
  the Myriad of Challenges, decisions and Processes
  That Face You.

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Questions?

• Thank You for Your Time