Health Insurance

Our Process

"With our in-house service team you and your employees will never have to call the insurance company again"​
Health Insurance​ through Philadelphia Benefits Partners are the center piece of most small business benefits packages. Insurance rates are set by the carriers and you never pay anything additional for our value added services. As an independent agency, we work for you to find the most coverage for the lowest cost. We offer exclusive health insurance plans including HMOs, PPOs, POS, and can set up Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA).
Our Informatics team provides actionable information and insights that employers need to understand the health of their employees, make more-informed benefit and clinical decisions. We also specialize in Level Funded and Self Insured plans.
For most benefits packages health insurance will be the largest expense so this is where we start. After speaking with the business owner or administrator and receiving a census we put together a proposal with multiple carriers to compare rates.
We then scale down the plan options based on the groups needs, industry standards, and budget.  After sitting back down and with the business owner we select up to 3 plan options to offer.
 
Finally we hold an enrollment meeting with employees explaining the plans, giving them a chance to ask questions, and assist with applications. In many cases this is the most important part of the process. 

Value Added Services:

  • HRIS and Benefits Administration Systems

  • Selection, strategy and development of health and wellness benefit plans, based on your unique benefits strategy

  • Vendor negotiation to obtain advantageous cost structure

  • Implementation and continuing proactive management of the plan

  • Ongoing plan financial and compliance oversight, including:

    • Plan documentation drafting and reviews

    • Preparation for DOL and IRS Audits

    • Proactive strategies to address regulatory changes

    • Ongoing review of vendor performance, benchmarks and cost trends

    • Healthcare provider network analysis

    • Current legislative and regulatory guidance, including information, strategies and recommendations related to healthcare reform

  • Unlimited access to HR 360 website

  • Fully outsourced COBRA services

  • Ongoing HR support services

  • In House Service Access

  • Personally designed wellness programs, including:

    • Biometric testing

    • Wellness coaching

    • Personal health record

    • Health goals

  • A designated account manager

© 2019 by Philadelphia Benefits Partners

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*Disclaimer: The information contained on this site is not intended to be and does not constitute investment advice. Such information is general in nature and is provided solely for informational purposes to our customers and is not to be construed or interpreted as a recommendation. All investment decisions are solely the responsibility of the user.