Open Enrollment
Briefly describe your approach/process for assisting clients in the development of an integrated employee benefits strategy.
Clarke & Company utilizes communication between the client and our team to craft an integrated benefits strategy. We need to understand your fiscal and employee needs to develop this strategic plan. As we review your cost and historical claims we have strategic conversations on both your budgetary and employee needs. To review your claims, Clarke & Company Benefits has comprehensive data analytics capabilities. This data analytic tool allows us to produce a health plan and pharmacy management reporting package to our clients. Our data analytics tool is fully integrated with BCBS of SC. Our tool has the ability to benchmark our clients’ data to similar industries by region with a 19 million person employer claims database where we can model plan design changes in real time with cost changes.
What are the options you have generally developed and presented to clients for adoption with regard to health care programs?
Depending on the direction, needs, and goals of the client, there are several different options that can be developed to assist in health insurance programs. Some of these are listed below:
- Integrate a multiple benefit platform of different plan designs
- Incent consumer directed plan designs and reward good health behaviors
- Depending on claims data cost drivers, make plan design changes to affect behaviors and encourage disease management and health coaching
- Review plan funding alternates, fully funded, level funded and/or self-funded
- Tiered networks for providers (subject to carrier approval)
- Wellness credits, deductible buy downs, and other savings measures for employees to participate in wellness programs including biometrics
What resources are used for benchmarking?
Clarke & Company can benchmark your plan against others using our Zywave benchmarking tool. We can compare plan design to others by region, industry, and size. There is no group size limit to what we can benchmark.
Can you help us with enrollment tools?
Clarke & Company can assist your company in finding the benefit-admin system that meets their needs. We have several options available in the under 50 employee market.
HRconnection is online enrollment, benefit information, and an employee portal for clients. HRconnection is a low cost solution to clients under 5o employee lives with a stable work force. HRconnection is available to employers of all size.
If companies elect for one-on-enrollment, they may be eligible, depending on size, to utilize Navigate. This depends on enrollment options and group size.
Tools and Process
