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Our seasoned staff is caring and empathic toward our clients. We take a personal approach to listen and understand the needs of each client and work to provide unique solutions for specific needs.
For Self-funded clients, we have a software tool that houses millions of claims enabling us to predict future claims accurately. Our data analytics program helps us negotiate the most favorable stop-loss terms and conditions. These analytics give us a clear picture of how high-cost claims impact the spending of various vendors and clients, allowing us to plan and design a custom alternative to control costs and save money.
Are you connected to the financial reality of the benefit plan on a monthly or quarterly basis? Our data analytics put more control in your hands, giving you transparency, knowledge, and awareness of how the plan is performing.
We partner with one of the largest managing underwriters, which allows us to obtain the most favorable rates and underwriting conditions for self-funded clients. Our relationship with the largest underwriter available enables us to provide the most competitive stop-loss rates for our clients with the most favorable terms and conditions. Through a preferred partnership with several of the largest health captive underwriters in the country, we give clients access to captive alternative plans to help them save money.
Our actuarial software tool enables us to prepare budget rates on behalf of our self-funded the clients. We will provide monthly reporting of your plan performance against your benefits budget. Healthcare costs are often the #1 expense outside of Payroll; staying on top of projected spending is critical for running your business. We develop premium equivalent rates for COBRA, and provide consultative advice on contribution strategies.
We have a technological solution that enables employers to control their future spending on health benefits. Our solution is becoming an attractive option as group health premiums continue to increase. Our Liberty proprietary solution enables our Liberty team to work directly with employers and employees to make the process efficient and straightforward. Our solution includes an automated debit account system to facilitate accurate and efficient premium payments. If you are an experience-rated group with more than 50 employees and received what you believe to be a large increase, our unique solution is the answer!
self-funding works and can determine if or when self-funding is right for an organization. For employers seeking a staged approach toward a traditional self-funded model, we offer level-funding options that include a “walk away” option at the end of the contract period.
Our expertise in self-funding ensures that clients have the correct type of stop-loss contract to increase organizational savings and mitigate risk while protecting the company from catastrophic medical events. Our team’s approach to marketing stop-loss annually can lead to further increased savings and ultimately gives clients the power to improve their medical plan costs without needing to change networks or claims administrators.
We understand that benefits are not benefits unless your employees are familiar with all you provide. Employee benefits are expensive, so we feel it is important to provide education and information on several fronts to assist your employees in becoming familiar with your organization’s benefits program.
Seasoned experts that work hand in hand with clients and insurance carriers, resulting in favorable outcomes for our long-term clients.
Creative plans designs and alternative funded mechanisms can provide savings for many employers. Our seasoned consultants will dig deep and work with our clients to seek opportunities for financial savings.
Contact us today for your free risk review and to discuss how we can help you accomplish your specific companies goals.
PLAN DESIGN
Creative plans designs and alternative funding mechanisms can provide savings for many employers. Our seasoned consultants will dig deep and work with our clients to seek opportunities for financial savings.
CLAIMS UTILIZATION
For our self-funded clients, we offer software that houses millions of claim lives. Enabling us to accurately predict future claims. More importantly, the data allows us to address potential claim drivers before they become excessive.
EMPLOYEE BENEFIT EDUCATION
We understand that benefits are not benefits unless your employees are familiar with all you provide. Employee benefits are expensive, so we feel it is important to provide education and information on several fronts to assist your employees so that they can become familiar with your organization’s benefit program.
SELF-FUNDED OR LEVEL-FUNDED BENEFIT PROGRAMS (Medical, Dental, Vision)
Program lowers fixed costs, enabling claim savings for the plan to roll directly to the bottom line.
MEDICAL STOP LOSS COVERAGE
We partner with the largest managing underwriter, which allows us to obtain the most favorable rates and underwriting conditions for self-funded clients.
BUDGET / PREMIUM EQUIVALENT RATES
Our actuarial software tool enables us to prepare budget reports on behalf of the client. Health care premiums are often the #1 expense items outside of payroll. Staying on top of projected premium spend is import for running your business.
ICHRA – INDIVIDUAL COVERAGE HEALTH REIMBURSEMENT ARRANGEMENT
We have the technological solution that enables employers to fix their health benefit spend. As group health premiums continue to increase, this is becoming an attractive option.
LEGAL NOTICE/DISCLAIMER: The information contained herein is provided solely for general informational purposes and is not intended to be a solicitation or an offer to sell in connection with any product or service, nor is the information a complete description of all terms, conditions, and exclusions applicable to the products and services described. Products and services referenced herein may not be available in all jurisdictions. Copyright © Liberty Insurance 2022 All Rights Reserved.
