What we do

We provide a complete range of services to our clients. Here’s a list of those core functions:

Benefit Plan Consultation and Design

Assistance with Federal Laws

  • Standard 5500 Form Schedule A
  • Non-standard 5500 forms
  • Summary Annual Reports
  • ERISA

COBRA/HIPAA Compliance

  • ADA
  • FMLA
  • WHA
  • MHPA
  • USERRA

Quarterly Plan Performance Reports

  • Claims History
  • Network Utilization
  • Medical Management
  • Other Reports as Requested

Employee Communications

  • Open Enrollment Presentations
  • Enrollment Forms
  • Employee Information Pieces

Plan Implementation and Management

  • Assign personal account manager to each employer group
  • Develop strategy to reduce employer and employee healthcare costs
  • Review managed care alternatives
  • Develop plan design proposals
  • Negotiate stop-loss insurance options
  • Benchmark against industry trends
  • Issue personalized ID cards

Claim Management and Escalation

  • Efficient, accurate claim processing and payment
  • Analyze large claims
  • Review executive claims
  • Conduct claims audits
  • Benchmark against industry standards

Customer Service

  • In-house call center
  • 24/7 online customer service submission

Business Partner Alignment

  • Life
  • Vision
  • Dental
  • Flex
  • HSA
  • COBRA
  • STD/LTD

Conduct Employee Benefit Surveys

  • Access to Industry Experts
  • Medical
  • Psychiatric
  • HSA
  • Underwriting/Actuarial
  • Pharmacy

Consolidated Consumer Statement

  • Online statements, benefit summaries, EOBs
  • Flexible payment options, including Flex, HSA, HRA

Provider Network

  • Timely payments to providers
  • Discount levels rated “best in class” by independent survey
  • Discounts passed on to employer groups
  • Over 71,000 directly-contracted providers in MN, ND, SD
  • National network relationships for nationwide coverage
  • Fully credentialed providers
  • International Centers of Excellence

Medical Management

  • Pre-admission notification
  • Prior authorization
  • Utilization Review
  • Case Management
  • Disease Management
  • High-Risk Maternity Management