Overview of Employee Benefits Products and Services
Medical
Preferred Provider Organization (PPO)
Health Maintenance Organization (HMO)
Point of Service (POS)
Health Savings Account (HSA)
Health Reimbursement Arrangement (HRA)
Disease Management
Executive Medical
Limited Medical (Mini-Med)
Planned surgery concierge service
Various funding arrangements (fully insured, participating, minimum premium, partially self-funded)
Life/AD&D
Basic Term Life
Accidental Death and Dismemberment
Supplemental/Voluntary Life
Dependent Life
Accelerated Death Benefits
Key Employee (deferred compensation, split dollar, buy/sell and stock redemption)
Short Term/Long Term Disability/FMLA
Advice to Pay
Key Employee
Employer Paid, core buy up, and voluntary options
FMLA integration and administration
Fully insured and self funded (STD)
Pharmacy
Carve-out Arrangements
Rebates
Therapeutic programs (prior authorization, quantity limits, step therapy, specialty pharmacy, mandatory mail order)
Dental
Indemnity
Preferred Provider Organization (DPPO)
Dental maintenance organization (DMO/DHMO)
Employer paid or voluntary plans
Various funding arrangements (fully and self funded)
Vision
Indemnity
Preferred Provider Organization (PPO)
Discount Programs
Employer paid and voluntary plans
Various funding arrangements (fully and self funded)
Pension/Retirement
Pension planning and development
401(k) & 403(b) analysis and audit
Profit sharing
Travel Accident
Accidental Death and Dismemberment
Medical Evacuation/Repatriation
Emergency Referral Services – Legal & Medical
International Benefits
Expatriates
Third Country Nationals (TCN)
Local Nationals
Long Term Care
Employer paid, core buy-up, and voluntary options
