CCR Business Services

Business Services

Group Health and Life Insurance

We offer evaluations and solutions to help keep your employees and your business healthy and protect them now and into the future.

Flexible Approach

We provide the framework and the solutions to help you select flexible group health and life plans that provide the best coverage for the minimum cost. Our goal is to identify cost-effective health plans, ranging from HMOs and POS plans to multi-option platforms, which allow you to mix and match provider networks and benefits for greater flexibility in determining employer and employee contributions. For life insurance, we present you with alternatives that offer customization, from basic life insurance plans that can be designed in a number of ways to group short-term and long-term disability plans with adjustable benefit periods.

Systematic Process

Through a five-step process, we work with you to analyze, implement, and monitor your firm’s group health and life insurance goals.

Step 1: Analysis and Determination of Benefit Needs

We meet with business owners and executives to identify the company’s goals and objectives and how available benefit packages can meet those needs. Benefits may include group medical, dental, life insurance, group short- and long-term disability, as well as employee voluntary plans. We also look at the feasibility of section 125 plans, including premium only and flexible spending accounts.

Step 2: Review and Evaluation of Existing Benefits 

We review existing plan design, cost effectiveness, employee out-of-pocket costs, employee/employer premium contribution levels, network compatibility, and multi-plan design options. We also evaluate the effectiveness of ancillary benefits such as dental, life, and disability. We can analyze executive benefit plans to attract and retain valuable talent. We provide strategies to save clients money without sacrificing benefits.

Step 3: Presentation of Benefit Solutions and/or Alternatives to Existing Benefit Design 

We recommend a plan design and funding alternatives designed to reduce cost and enhance cash flow. Solutions could include traditional HMO or POS coverage, multiple plan designs, health savings accounts, and/or health reimbursement arrangements. We negotiate with ancillary carriers to deliver the best possible coverage with the most competitive rates.

Step 4: Benefit Program Installation 

We coordinate installation of plans at renewal including educational and enrollment meetings with employees. Presentations with insurance company representatives at area offices also can be arranged to further explain plan options. 

Step 5: Ongoing Services and Renewal Reviews  

We provide support that includes facilitating enrollment of new employees and responding to employer and employee questions or concerns about benefits. We work with you on ongoing administration issues including billing, additions, terminations, and COBRA administration, and complete a comprehensive renewal review well in advance of the renewal date to help ensure adequate time to look at all possible benefit improvements and alternatives.

Wide-Ranging Services

  • Our group health and life insurance offerings including:
  • Group medical
    • Traditional HMO or POS coverage
    • Multiple plan designs
    • Health savings accounts and/or health reimbursement arrangements
  • Group dental
  • Group life insurance
  • Group short- and long-term disability
  • Employee voluntary plans