Working with Heath Benefit Partners

As a broker, not an agent, Heath Benefit Partners works for you and the needs of your organization – not on behalf of any insurance carrier. Our five-step strategic planning and implementation process is based on what large consulting firms do for their Fortune 500 clients. Our strategic planning process is comprised of Step 1 (Plan & Analyze) and Step 2 (Negotiate & Recommend). At this stage, we help you define the objectives you have for your employee benefits program, and we work with the insurance carrier marketplace to meet your goal. Steps 3-5 are all about implementation, compliance, and the kind of ongoing service that makes us an extension on of your HR department for administrative tasks all year long.

Our comprehensive benefits program process

  • Review current plan performance and analyze needs
  • Check Affordable Care Act (ACA) compliance
  • Define objectives – outline process for meeting those objectives
  • Deploy program modeling tools to maximize your benefits investment while understanding employee utilization impacts
  • Benchmark against peer businesses
  • Survey employees, if applicable
  • Develop and confirm benefits strategy
  • Conduct thorough market analysis
  • Vet options based on pricing, network, benefits, service and compliance
  • Negotiate rate concessions
  • Provide custom benefit enrollment literature, education and decision support
  • Hold informative employee meetings, health fairs and other educational opportunities
  • Provide online access to benefit summaries and enrollment materials
  • Offer one-on-one access to benefit specialists
  • Provide full service COBRA administration
  • Offer ACA, COBRA, HIPAA notifications
  • ERISA compliance support
  • Complete implementation, administration, and discrimination testing of Section 125 plans
  • Provide ongoing legislative updates
  • Assist with Form 5500 filing
    • Offer patient advocacy to resolve billing, claims, and enrollment issues
    • Provide ongoing financial and plan performance analysis
    • Access to online resource tools
    • Process eligibility, enrollments and terminations year-round