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PLANS FOR WHICH SERVICES ARE PROVIDED
- Medical/Dental/Vision
- Copay, Indemnity, PPO, POS
- Core, Dual, and Multi-Option Plans
- Consumer Directed HDHP/HSA and HRA
- Cafeteria Credit Plans
- Limited Benefits – Seasonal/PT
- Defined Contribution Health Plans
- FSA – Healthcare and Dependent Care
- Core Life/AD&D/Survivor Income
- STD, LTD, PTO
- Cafeteria/Section 125/Flex (HC and DC)
- Special Risk – Business Travel, War Risks
- Patient Advocacy Services
- Voluntary Medical/Dental/Vision/Life/AD&D/ STD/LTD/Accident/Cancer/Indemnity, etc.
- Others as may be agreed such as:
- 401(k) / Deferred Compensation / Retirement
- Long Term Care
- Tax Sheltered Annuities
- Exec. Benefits – Key, Supplemental
- 529/College Invest
STATISTICAL UTILIZATION ANALYSIS
- Historical Claims and Shock Loss Trend Analysis
- Budget Projections & Option Modeling
- Macro and Drill Down Benchmarking by Provider, Type of Service, etc.
REGULATORY COMPLIANCE & MARKETPLACE SAVVY
- Individually customized web-based
offering the latest in Consumer Education, Benefits and HR Compliance Assistance, Documents on Command
- Local and National Trends
- Health Industry
- Government Regulations
- Benchmarking
- Employer Practices by industry, geography, size, culture, etc.
HEALTHCARE REFORM (PPACA)
- Proactive/Strategic Planning: 1, 3 & 5 years out
- Cost Modeling Impact of “Pay or Play” and other large group mandates
- Actionable, turn-key Compliance Guidance
- Customized Solutions and Updates
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CLIENT SERVICES
- Renewal Negotiations
- Develop Risk Management Strategies
- Formalize Benefit Philosophies
- Underwriting / Budget Projections
- Superior Customer Service with 24-hour turn around time or less
- Financial Modeling of Alternate Plan Designs and Cost Options
- RFP – Market Search/Bidding and Analysis
- Medical Provider Networks
- Case Managers
- Insurers
- TPAs/Reinsurers/PBMs
- Health Promotion Services
- Electronic Enrollment and Plan Management Services
- Funding Option Recommendations
- Insured
- Dividend
- Minimum Premium / Retro
- Partial Self-funding/ASO (bundled & unbundled)
- Private Provider Contracting
- Healthy Lifestyles – Analysis and Implementation
- Vendor Problem Resolution
- Claim Dispute Resolution
- Vendor Contract Audits
- Vendor Performance Audits
- Plan Document Drafting
- Employee Communication Materials
- Custom Enrollment Forms
- Employee Meetings, as agreed
- Employee Electronic Surveys, as agreed
- On-site Clinic Feasibility, Implementation & Ongoing Assessment
CORE RISK MANAGEMENT PRINCIPLE
- Improve the Health of Plan members via an intensive, integrated wellness program with meaningful incentives, aggressive disease management services and year round member education.
- Identify, Select & Reward Best-in-Class Vendor Partners
- Shift Risk to others whenever possible
THE DENMAN GUARANTEE
Innovative ideas, superior market leverage, trouble-free administration and measurable results every time!
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