PBS Services:

– 24 hour service request turnaround
– Billing and claims reconciliation
– Assistance with employee enrollment meetings
– Help with resolutions for billing and claims issues


Why PBS?

– We research the marketplace to find the best benefits program for your company
– We act as an extension of your HR department. We provide advice on your benefits-related laws such as COBRA, HIPAA, FMLA, The NJ Continuation of Coverage, and the NJ Over Age 30 Dependent Law
– Our expertise in offsetting the employee liability in the high deductible health plans with cost sharing funding mechanisms
– Responsive to our clients’ financial needs, accommodating their investment inquiries
– We understand clients’ needs and work within their budget for the most cost effective employee benefits
– We understand great employee benefits contribute to higher employee retention


Group Benefits Offered:

  • Dental
  • Flexible Spending Accounts
  • Health – HRA/HSA
  • Hospital reimbursement Plans
  • Human Resources (click here for HRT Advisors)
  • Life Medical Plan Benefits
  • Limited Medical Plan Benefits
  • Long-Term Care
  • Long-Term Disability
  • Premium Only Plans
  • Short-Term Disability
  • Temporary Disability Benefits
  • Vision
  • Voluntary Benefits
  • Wellness Benefits
  • Worksite benefits
  • 401K Plans

Additional Services Offered

Benefit Plan Analysis

  • Compare language and plan features
  • Review current programs, enforce programs and alternate programs
  • Recommend options, if any
  • Negotiate benefits & cost
  • Review limitations and exclusions
  • Contract flexibility
  • Employee contribution strategy
  • Negotiate Plan/Benefits/Rates
  • Target marketing


Claims Handling

  • Appeal
  • Analysis of claim payment
  • Timely submission



  • Overall rate analysis
  • True cost analysis
  • Alternate funding methods


Individual Products

  • Disability
  • Life Insurance
  • Long Term Care



  • Oversee and recommend action to new carrier(s)
  • Work with carrier representatives
  • Conduct enrollment meetings
  • Oversee open enrollment process
  • Review all plan documents
  • Review all employee booklets and/or certificates


Reference Check

  • Interview policyholders of similar size and industry of recommended carriers



  • Dependent to age 26 and 31
  • ERISA Audits and Plan Documentation
  • HIPAA Compliance
  • HRA/HSA Administration
  • NJ Continuation
  • PPACA Certified