Plan Design

We help our Clients assess their current situation and present available plan options. Working with our extensive provider network, we then investigate and present alternative funding options, including self-funded plans, partially self-funded plans and tax-preferred vehicles, in order to maximize an employer’s premium dollars.

Risk Exposure

No solution would be complete without a thorough audit
of the direct and indirect costs to which an employer
may be exposed. As exposure to risk is identified, we identify which risks can either be mitigated or eliminated, and which risks must be assumed. We then identify the processes and behaviors which must be changed to
limit future risk and promote a culture of wellness in
the workplace

Marketing

Many components comprise the total cost of an Employee Benefits’ package. Beyond the required premium, a carrier’s network, administration, and solvency must also be taken into consideration. At Alper, we closely monitor and manage overall carrier performance on behalf of
our Clients.

Price

When we fully employ the Alper formula, properly identify exposure to risk, and fully leverage the strength of our underwriting relationships, we are able to develop solutions which produce sustainable results and reduce the long term cost of insurance.

Proactive Employee Communication

The success of any benefits program depends on effective and proactive employee communication. Our commitment to communication is evident in every spoken word, written document, electronic transmission, group meeting and individual consultation. We are also able to help our employers communicate the value of their benefits program to their staff, creating a more complete view of their compensation package.

Programs:

• Health Insurance (HMO/PPO/POS)
• Fully-Insured and Self-Funded
• Tax-Preferred Solutions (HRA’s, HSA’s, FSA’s)
• Wellness and Consumer Centric Programs
• Dental Benefits
• Vision Plans
• Life Insurance
• Short and Long Term Disability
• Voluntary Products
• Executive Benefits (Medical Plans, LTD)
• Section 125 Plans
• Employee Surveys

For more information, please send an email to HClary@AlperServices.com