Our Services > Employee Benefit Services

We meet employer needs and objectives in both the private and public center. We can help with the selection, implementation, and management of their employee benefit programs. 

Benchmarking

We can help you lower your costs and boost your competitiveness by offering product comparisons. Common reports include:

• Payroll Deductions
• Employee Deductibles and Co-Pays
• Ancillary Lines of Coverage
• Access To Detailed Claim Level Data
• Compare Across Plans, Divisions, Networks, and Employee Groups.

Benefits Administration

We provide our clients with tools to manage and organize their group benefits programs online by allowing:

• Employers to store info such as employee records
• Employees to use online enrollment, benefit news, plan and rate comparison tools, provider look-up, and forms and links to Human Resources
• Third parties to access premium and eligibility information electronically
• Third parties to capture rates and eligibility information from all vendors in one system
• Employee’s access to time-sensitive, relevant financial and insurance products.

Technology Alliances

SmartBen is an interactive website that allows employees to explore their world of benefits 24 hours a day, seven days a week. It provides information ranging from an overview of an employee’s health coverage to an in-depth look at their retirement plan. SmartBen was designed to communicate the value and purpose of your benefits so that each and every employee appreciates their costs and intentions.

SmartBen was designed specifically to:

• Heighten benefit awareness
• Increase Human Resource Personnel’s productivity
• Reduce employee turnover
• Assist in the hiring process
• Streamline enrollments
• Increase retirement plan participation
• Automate benefit enrollments and orientations
• Reduce significant paperwork (major elimination of manager/employee manuals)
• Improve speed and accuracy with carriers and administrators
• Decrease billing time and improved employee communication
• Present benefit and retirement information in multiple languages

Communications

We educate and reinforce your benefits only a daily basis. Most of our communication is done through the Internet, allowing for a full range of access. Our communication solution provides a place to post:

• Plan Descriptions
• Rates
• Forms
• Company announcements
• E-mails from administrators
• Employee satisfaction surveys

For the employee, the communication solution provides a place to find:

• Employee handbooks
• Holiday schedules
• Life tools
• Frequently Asked Questions (FAQ`s)
• Employee Benefit Statements
• Employee satisfaction surveys

Compliance Consulting

We assist our clients in meeting compliance obligations.  We keep our clients up-to-date on legislation.  Our compliance consulting services include:

• Technical consulting on legislative issues
• Evaluation of plans to determine compliance
• Compliance Alerts
• ERISA compliance and disclosure support
• Training Seminars on FMLA, COBRA, HIPAA, Cafeteria Plan Rules, and ERISA

Merger & Acquisition

We provide mergers and acquisitions services in the employee benefits and human resources arenas. We can provide a picture of your current benefits environment in terms of compliance and potential liabilities. Our services include, but are not limited to:

• Benefits Analysis & Review
• Audits
• Financial Projections
• Termination Assistance
• Coverage Placement
• Employee Impact Studies

Pharmacy Consulting

We assist clients in creating prescription drug plans including :

• Drug Contracting
• Prescription Utilization Review
• Cost Analysis And Reduction Strategies
• Pharmacy Benefit Design Strategies
• PBM Selection And Analysis Including RFP Development or Analysis
• Clinical Program Strategies
• Patient And Physician Communication
• Formulary Management
• Therapeutic Interventions
• Disease Management
• Evaluation Of Patient Medication Regimens
• Prescription Drug Training And Seminars

Plan Development

We offer medical, dental, life insurance and other voluntary plans. Our plans reflect an employer’s goals and objectives within complex legal and societal considerations. When we work with our clients on developing benefit plans, we:

• Customize Plan Provisions
• Review Plan Designs
• Review Benefit Programs
• Evaluate Plan Provisions
• Benchmark
• Review Eligibility and Termination

Plan Management 

We assist our clients in reviewing Human Resource policy manuals; contracts of insurance, summary plan descriptions, and other employee communication materials. This review is specifically designed to:

• Inform Employers
• Identify Exposure
• Develop & Implement Action Plan

Retiree Health Care

Retiree health care is a growing concern for organizations, both in the private and public sectors.  Rising retiree health care costs, coupled with our aging population, present significant challenges. MartinWest Insurance Brokerage has extensive experience in assessing and implementing retiree health programs tailored to the unique issues of each organization. 

We can help our clients with:

• Performing FASB And GASB Liability Calculations
• Securing Access To Health Care Coverage
• Reviewing & Restructuring Eligibility Provisions
• Monitoring Costs
• Disease Management
• Pharmacy Benefit Design
• Retiree “Flex” Plans
• Defined Contribution Approaches
• Financing Approaches And Vehicles
• Pre-Funding Retiree Health Care

We have been helping companies reduce costs and improve benefits for over eleven years. Contact MartinWest Insurance today toll free at 1.877.656.0427 or email at info@mwinsure.com.