Health Care Products
Solve both over-delivery and under-delivery of medical benefits. Customize offerings in detail to maximize a program specific for each trust's requirements.

• Self-insured
• Fully Insured
• Consumer Driven Health Care
• Health Savings Accounts (HSAs)
• Negotiations with Carriers
• Request for Proposal (RFP) Assistance
• Contract Language Assistance
• Audit & Recovery/ Contract Compliance

Dental Plans
Focus on the details of dental plans to increase benefit and curb costs. Actuarial analysis of dental programs typically reveals significant savings opportunities and ways to increase control through more active financial management.

• Self-insured
• Fully Insured
• Negotiations with Carriers
• Request for Proposal (RFP) Assistance
• Contract Language Assistance
• Audit & Recovery/ Contract Compliance

Vision Plans
Vision benefits are important to trust benefit participants. Changes in vision benefit delivery -- new networks, new discounted programs, new treatment methods -- make it necessary to restructure this program on a regular basis to take advantage of cost reductions.

• Self-insured
• Fully Insured
• Negotiations with Carriers
• Request for Proposal (RFP) Assistance
• Contract Language Assistance
• Audit & Recovery/ Contract Compliance

Rx Drug Plans
Our team excels at generating pharmacy program savings through structural analysis and vendor negotiation. The prescription delivery system is complex and competitive, but our team of experts can absolutely direct the system to perform in trusts' favor.

• Self-insured
• Fully Insured
• Pharmacy Benefit Manager Audits [PBM]
• Negotiations with Carriers
• Request for Proposal (RFP) Assistance
• Contract Language Assistance
• Audit & Recovery/ Contract Compliance

SMART Card
Take advantage of technology to streamline benefit delivery. Electronic, card-based delivery and tracking is the optimal method to control the health and welfare benefits and satisfy participants' financial needs.

• Combine all Trust ID Cards in One Vehicle
• Debit Card for Payroll, Pension, Vacation and Sick Pay
• Money Transfer Card with "Buddy Cards"
• Electronic Payments to Multiple Vendors
• Discount Card
• Provider Discount Program

Radiology Solutions
Radiology is just one of many line items that can be, and should be, carved out of an umbrella trust program and aggressively negotiated to cut costs. By actively separating, negotiating and managing specific medical services, trusts can generate significant savings.

• Radiology Discount and Managed Care Programs
• Scheduling with Best Practice Radiologists
• Past and Present Film Review for Quality Control
• Negotiations with Carriers
• Request for Proposal (RFP) Assistance
• Contract Language Assistance
• Network of Low-cost, Quality Providers in High-cost Areas

Life Insurance Products
Life insurance is often viewed as a lower-priority add-on in the trust benefit portfolio, while the individual participant sees it as essential. With close management of these programs and aggressive carrier negotiation, participants can receive higher benefits and more education while the trust pays lower rates.

• Term Insurance
• Life Win Product
• Negotiations with Carriers
• Request for Proposal (RFP) Assistance
• Contract Language Assistance

Alternative Dispute Resolution [ADR]
ADR carves employers and unions out of the expensive, uncontrollable, California workers' compensation system. With ADR carve-outs, unions and employers collaboratively develop a workers' compensation system to address specific needs, develop more efficient procedures, lower costs and create a more cooperative program for labor and management. Further, carve-outs routinely generate savings of 30-50% of current workers' compensation costs. These 'found' dollars can then be applied to other employee benefit areas.

• Benefits of ADR
• Returns injured member/employee back to work an average of 50% faster
• Improves safety programs to reduce injuries and illness claims
• Increases access to quality medical providers
• Reduces the number of disputes
• Encourages faster resolution of all disputes
• Improves collaboration between unions and employers
• Dedicates a neutral Ombudsman to educate and assist injured workers through their treatment
• Reduces litigation
• Reduces fraud through additional layers of communication and accountability

Actuarial & Underwriting Services
To tighten the ship, the captain needs to know where it's leaking. A dedicated, specialized actuary can identify, isolate and help to resolve financial weaknesses across the entire trust benefit program spectrum.

• Analysis of Cost Trends
• Assist with Fully Insured Carriers in Renewals
• Negotiate Carrier Performance Guarantees
• Self Insurance Plan Development
• Analysis and Recommendations on Current Fully Insured and/or Self-Insured Plans

System Solutions
Health and Welfare Trusts often have antiquated technology platforms. Today there are a wide variety of full, partial and stop-gap system solutions to meet technology challenges specific to trusts. Modernizing internal data management systems benefits both trust administrators and trust participants. The investment typically pays for itself through saved work hours, integration of processes and automated participant processing.

• Eligibility Management
• Trust Fund Management
• Employee/ Member Self-Service [24/ 7]
• Consolidated Billing and Reconciliation
• Custom Reporting
• Electronic Data Interchange and Transfer with Existing Trust Fund Systems
• TPA Services and Integration
• Data Warehousing
• Data Mining
• Virtual Benefit Administration System (VBAS)
  • Centralized Data
  • Online Data Management
  • Online Communication
  • Automated Eligibility
  • Electronic Data Interchange [EDI] with Carriers
  • Ad hoc Reporting
• Additional Services
  • HR & Payroll Data Exchange
  • Consolidated Billing Administration
  • Paper Enrollment Data Entry & Processing
  • Retiree Billing & Administration
  • Over-Age Dependant Tracking
  • Student Verification
  • COBRA Administration
  • FLEX Administration
  • Customer Support Call Center

Healthcare Information Tools/ Individual Medical Management
Promote more responsible use of Health & Welfare benefits by implementing specific medical information to inspire individual medical management. By sponsoring a knowledge-based information system that is updated daily with current research, the trust can actively educate and assist every member with the personal management of their healthcare.

• Assist member/employee in understanding their illness, injury, diagnosis and treatment options
• Speak directly with a doctor as needed
• Provide support groups and clinical trials
• Locate international expert providers that are in network
• Assist in scheduling appointments
• Expedite physicians' wait lists
• Assist member in transferring medical records
• Assist members and their families with prescription drug details