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
Financials
- Overall rate analysis
- True cost analysis
- Alternate funding methods
Individual Products
- Disability
- Life Insurance
- Long Term Care
Implementation
- 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
Other
- COBRA
- Dependent to age 26 and 31
- ERISA Audits and Plan Documentation
- HIPAA Compliance
- HRA/HSA Administration
- NJ Continuation
- PPACA Certified