⌟ Employee Benefits Services
Let’s realize something up front. Healthcare costs — the underlying costs of providing the healthcare that you desire and demand and not just the cost of the insurance which funds the healthcare costs — are the real culprit for the escalation in health insurance premiums over time.
With underlying healthcare costs running at a rate which exceeds the general inflation rate, those costs drive up the costs of your health insurance plan over time. And, today, with the Affordable Care Act, aka Obamacare, there is more and more emphasis on healthcare and healthcare insurance costs.
Our Unique Employee Benefits Process
SSG has a unique process called the Employee Benefits Analysis and Review (EBAR) which will provide you a means of determining what benefits are right for your company, while determining how to maintain the costs of those plans. This process includes:
- Employee Benefits Analysis and Review
- Analysis of present coverage
- Negotiations with carriers during the review process
Employee Benefits Services
SSG uses our proprietary Employee Benefits Analysis and Review—understanding that business owners have no intention of becoming benefits experts and human resources departments are generally swamped by the demands of providers, regulators, and employees. EBAR will help you determine your alignment objectives, develop the benefits alternatives to meet those objectives, analyze providers for cost and service efficiencies, and guide the implementation of each plan. We will then review the benefits plan annually to determine from a claims analysis if the plan is maintaining its financial integrity.
Q : Should I consider group health insurance for my business?
A: To comply with the Affordable Care Act and the regulations which have been issued, in most cases it would be good for your business to provide group health benefits.
Q : Do I need group life insurance for my small business?
A: Group life insurance provides an excellent financial tool to employees who might not have coverage otherwise.
Q : How can you compare group health insurance plans?
A: The help of a trained advisor is important who will be able to guide you through the process.