

As a local brokerage firm, we believe in hands-on support, education and communication. Our account managers have a combined 28 years of experience in the insurance industry. If an issue comes to our account managers, the issue is acknowledged with a timeline of the estimated completion and step by step communication. Brokers meet with account managers on a regular basis to discuss workflow and activity. Productivity is measured on an ongoing basis. Service activities are also documented in our Account Management System. This system allows us to view all service activities and time spent in certain areas. Our system has reporting capabilities that can be sent to the client.
We also provide our client groups with publications, webinars, seminars, and additional training materials. We have included a few examples below:
When it comes to implementing a group like Bishop Gadsden we would conduct our normal on-boarding process. This would include on-site meetings to learn processes and current systems. We would need an agreement in place to access data to start the process of running it through our data tool, Decision Master Warehouse.
We would conduct at least 3-4 meetings per year and add to it as needed based on the scope of ongoing projects. These meetings would include the following at the onset of securing a client:
First Year
Second Year
Please see Innovative Strategic Solutions for enrollment coordination and communication example. See exhibit A, D, E, & F below.
With 5 generations now in the work force, employee communications are more important than ever. Clarke & Company has the abilities to reach employees through all channels to include print, web, email, text, and social media.
We provide our clients with an Open Enrollment communication strategy as well as an ongoing 12 month communication strategy. Our Open Enrollment communication strategy consists of Pre-Enrollment Employee Email Campaigns, Benefit Menu Videos, Health Savings Account Campaigns, Open Enrollment Surveys, How to best Utilize your FSA & Dependent Care Accounts, Complete redesign of all benefit marketing pieces, Benefits 101 Site, Webinars, Social Media campaigns, Smartphone App, and in person meetings.
The on-going communication strategies implemented by Clarke & Company throughout the year highlight specific benefits and continue to provide relevant information surrounding the employee benefit plans. We also take this time to continue to educate employees on high claims cost areas within the plan. Once we have identified some areas of concern or high cost in our claims analysis then we are able to develop an educational campaign to reach employees. This allows us to educate them on how they can be better consumers of health care and help Bishop Gadsden control costs.
A few of our other tools include:
See case study 1, exhibit D, H, and I.
Clarke & Company has a fully integrated data analytics tool, Decision Master Warehouse, which allows us to produce a health plan and pharmacy management report package to our clients. Our data analytics tool is fully integrated with Cigna including the ability to run additional ad hoc reports as needed. Our data analytics tool has the ability to compare our client’s data to similar industries by region. Each time the report is prepared, the client will receive a “Summary of Findings” that can be discussed with our staff.
Our tool offers benchmarking to a 19.6 million life database. We are able to dig deeper into claims data that is running higher than norms by using ad hoc reporting. We can explore solutions based on disease, utilization, facility, and services. All of this allows Clarke & Company to implement solutions and “test-drive” plan design changes so that you can see the impact before making any decisions. Even if you switch carriers, your prior data remains in our system.
The best way to forecast the future is by using past data. Using Decision Master Warehouse, we can look at two ways to control costs. The first is by plan design, making plan changes designed to alter certain behaviors, either health or service. Plan design could incent the use of maintenance medications and drive urgent care utilization for non-emergency procedures away from the ER. The second way to impact costs is through education: Finding out what our major cost drivers are and utilizing an educational campaign on these diseases for your employees.
When developing a long-term benefits strategy with your group, we would review all plan elements and give consideration to national trends in your industry. The following steps would be taken in order to reach the goals established in our strategic meeting:
See ded/coins report, case study #2, medical claims report, Rx claims report.
On a day-to-day basis, Clarke & Company Benefits is supported by ThinkHR. ThinkHR’s Q&A team is 28 certified HR professionals who are supported by a legal compliance team. ThinkHR Live advisors are senior level, PHR-, SPHR-, and SHRM-certified professionals with prior experience as HR directors and managers. In fact, ThinkHR’s team averages more than 15 years’ experience in HR. They are available to our staff as well as clients to assist with any HR/Benefit/Risk/Compliance questions that may come up. This team is available daily via email, telephone, or mobile app. ThinkHR also sends out employer law alerts and updates on state and federal regulations.
Clarke & Company staff is also available on a daily basis to assist in any of these areas. We have a compliance newsletter and blog, and regularly post to social media any updates or changes that would affect employers.
Clarke & Company publishes newsletters and surveys on a weekly basis. We recently had a survey based on HR Risk and another one on employee handbooks. We also send legislative briefs to clients on any regulations or laws affecting benefits.
Clarke & Company provides the following resources to our clients to assist in areas of educational services and legal compliance.
Access to 28 HR professionals backed by a legal team
We utilize a benefits attorney for these issues. Our attorney is Jason Cogdill. Please see Jason’s credentials: http://www.probenefits.com/participants/about-us/leadership-team/jason-cogdill-2
Depending on the issue and depth of counsel, standard hourly rates would apply. Most issues can be sent to the ThinkHR team at no charge for their opinion prior to going to legal counsel
See exhibits E & F below.
Our ThinkHr platform includes the Learn Pro software which includes over 275 training courses that ensure compliance, reduce risk and drive employee engagement. Plus an intuitive administrative dashboard, robust reporting and Quick Start course tracks.
Our Online Benefit Administration systems partners which help streamline the onboarding and enrollment process for employees while simplifying HR task workflows. We have several different ben-admin solutions to meet the needs of your company to ease the onboarding process, centralize communication, and provide paperless enrollment.
Clarke & Company also has the ability to work systems when new clients already have one in place that they are happy with. The systems that we provide to our clients provide assistance and resource sin the following areas:
See exhibits H & I below.
Clarke & Company Benefits also can provide and assist with providing additional comprehensive services:
Note: Above services can be contracted out to a third party administrator. Clarke & Company Benefits will make recommendations as to what administrative services a client may need and evaluate vendors. Vendor evaluation is primarily based on maximizing workflow efficiency for the client while achieving a high compliance standards.
See all exhibits and links below.
Phone: 803.253.6997
Toll Free: 888.540.9403
2422 Devine St. Suite B
Columbia, SC 29205
P.O. Box 5672
Greenville: 864.232.6723
Florence: 843.662.1500