Benefits Consulting

OUR EXPERTISE

We understand that the cost of providing medical insurance has become one of the primary concerns for your company, and the issue of managing costs is now most likely at the forefront of your annual budgets.

As your broker, Circle Strategies offers innovative solutions to develop strategic, customized, and comprehensive employee benefits programs.

MEDICAL BENEFITS

• Traditional HMOs and PPOs

• High-deductible plans with Flex Spending Accounts (FSA), Healthcare Savings Accounts (HSA), and/or Healthcare Reimbursement Arrangements (HRA)

• Section 125 and Premium Conversion Plans

• Self-funded & partially self-funded plans

• Circle Strategies has top-tier medical insurers as strategic partners, allowing our clients to benefit from competitive premiums and a broad spectrum of policy options.

ANCILLARY & VOLUNTARY BENEFITS

In today's workforce, success in the competition for qualified employees can hinge upon any number of minute factors. To provide your company with that advantage that makes it unique, Circle Strategies is proud to have top-tier vendor partners who offer these ancillary benefits: • Dental • Vision • Life • Short-term disability • Long term disability • Accident, critical illness, & cancer cost mitigation • Financial health and wellness including student debt reduction.

Our vendor strategic partnerships afford companies competitive premium options and plan design alternatives. Your company can select options that meet your employees’ needs and improve the value of your benefits programs.

BENEFITS CONSULTING SERVICES

Circle Strategies provides industry experience and expertise in Benefit Plan Design and Contribution Analysis to support the following:

Management of corporate benefit objectives and cost control through strategic planning with the Human Resources and Financial Team of the organization;

Analysis of program costs, funding, and financial alternatives to design, evaluate, and implement managed health care and other insurance benefit programs;

The use of comparative benchmarks to negotiate insurance renewals and closely manage the cost impact on our clients;

A thorough review of group insurance contracts, plan documents, certificates, and booklets ensure that the benefits offered to match what is being administered and provide value to your employees.

As a client, you should consider our firm as an extension of your human resources department. In accordance with HIPAA guidelines, we assist with:

Support in resolving carrier claims, administrative and billing issues;

Enrollment and new hire administration processing;

Providing you, our clients, with strategic payroll relationships that offer a seamless integration of HR and Benefits through an online web portal. Your employees can make benefits changes online which flow through to payroll and the carrier vendors;

Complex employee relations and other human resources issues, with in-house human resource experts;

Conducting comprehensive employee enrollment and educational meetings.

Benefits Consulting