Home | | Employee Benefits | Benefit Plans | Health Insurance

Group Health Insurance:

Group Health insurance or group medical insurance continues to be the most demanded employee benefit.  It is also the most expensive benefit and increases in cost every year continue to significantly outpace normal inflation.  Unfortunately, it is also one of the most complex and difficult benefits to understand for employers and employees.

As independent broker/consultants, we assist employers with managing their health benefits and medical benefits.  Our experts can help simplify a complex task.  We represent all the major carriers.  We know the Florida market and help our clients select the group health insurance plans that best fit their needs and their budget from the thousands of plans that are available including traditional preferred provider (PPO) plans, health maintenance organizations (HMOs), exclusive provider (EPO) plans, consumer directed plans coupled with health reimbursement accounts (HRAs or HSAs), and even self-funded plans. 

Just a few of the tasks that we assist our clients with include:

• Preparation of professional requests for proposals
• Fully insured plans
• Self-funded administration
• Medical stop-loss insurance
• Utilization management services
• Analysis and comparison of health plans including provider networks
• Negotiating rates and benefits with insurance carriers and third party administrators
• Review of carrier contracts
• Communicating benefits to employees
• Written benefit communications
• In-person enrollment meetings
• Web portals
• Enrollment of health plans
• Conducting employee meetings
• Custom designed enrollment materials
• On-line enrollments
• Resolving service, billing and eligibility issues with insurance carriers
• Development of wellness plans for employees
• Development of cafeteria (flex) plans
• Ongoing review and management of claims
• Compliance with COBRA, HIPAA, FMLA, S125 cafeteria rules, ADEA and other regulations  

Why not put a WWW benefits expert on your team today without adding a penny to your payroll? Call Wallace Welch and Willingham today at (800) 783-5085 or contact us on the web and let us show you how we can save you and your staff valuable time, improve your bottom line, and reduce your financial exposure.  Wallace Welch and Willingham offers Group Medical insurance nationwide, including Florida.