Services
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 | Short-Term Disability |
| Health – HRA / HSA | Temporary Disability Benefits |
| Hospital Reimbursement Plans | Vision |
| Human Resources (click here for HRT Advisors) | Voluntary Benefits |
| Life Limited Medical Plan Benefits | Wellness Benefits |
| Long-Term Care | Worksite Benefits |
| Long-Term Disability | 401K Plans |
| Premium Only Plans
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| Additional Services Offered: | |
| Benefit Plan Analysis | Individual Products |
| Compare language and plan features | Disability Life Insurance |
| Review current inforce programs and alternate programs | Long Term Care |
| Recommend options, if any | |
| Negotiate benefits & cost | Implementation |
| Review limitations and exclusions | Oversee and recommend action to new carrier(s) |
| Contract flexibility | Work with carrier representatives |
| Employee contribution strategy | Conduct enrollment meetings |
| Negotiate Plan/Benefits/Rates | Oversee open enrollment process |
| Target marketing | Review all plan documents |
| Review all employee booklets and/or certificates | |
| Claims Handling | |
| Appeal | Reference Check |
| Analysis of claim payment | Interview policyholders of similar size and industry of recommended carriers |
| Timely submission | |
| Other | |
| Financials | ARRA |
| Overall rate analysis< | COBRA |
| True cost analysis | HIPAA Compliance |
| Alternate funding methods | HRA/HSA Administration |
| NJ Continuation | |
| Dependent to age 31 |