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Help Your Employees
Simplify Your Group Health Benefits
As an FH Insurance client, you know that our benefits experts will do everything they can to help you optimize your company’s group insurance benefits. Our Human Resources support spans from rate negotiation and HR compliance, to insurance claims management and negotiation for health and ancillary benefits, and everything in between.
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Administrative Support
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Administrative Support
Renewal Negotiations
We have a strong history of providing successful renewals to clients through negotiations. We uniquely have access to carriers underwriting factors through our proprietary underwriting technology, Cure Underwriting. We run renewals through our this tool to determine fair prices based on claims and demographic factors. It easily allows us to benchmark against carrier renewals to ensure we don’t miss potential savings for our clients
FLEX, HRA, HSA Administration
FH Insurance provides Flex, HSA and HRA administration at no cost to our employers. We partner with integrated vendors to ensure compliance including non discrimination testing. Our online enrollment system, Employee Navigator, integrates directly with various Flex, HSA and HRA vendors making dual entries a thing of the past.
COBRA Administration
FH Insurance provides COBRA administration at no cost to our employers. We partner with various vendors and integrated partners to ensure compliant COBRA administration. Our online enrollment system, Employee Navigator, integrates directly with various COBRA vendors to minimize the inconvenience of sending COBRA paperwork and double entry.
Open Enrollment Support
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Open Enrollment Support
Free HR Technology
As an FH Insurance client, you will have access to a benefits administration at no cost. Our team will help make Open Enrollment as simple as possible by updating your offered plans and by supporting you in managing the enrollment process for your group. We also support you with staff that can manage the addition, termination and updates of employees enrollments throughout the year.
On Call Employee Support for Benefits Questions & Claims Negotiations
At Open Enrollment, our team will give your employees their contact information to be the first line of defense in dealing with insurance carriers. Our presence at open enrollment, at wellness events and in our online system encourages employees to contact our staff about claims issues, benefit confusion and general questions.
Our Benefits Success Experts have been very successful at negotiating claims with both providers and insurers, with countless examples of mis-billed claims that have been resolved. We are on call daily for your employees’ needs and we encourage them to contact us directly if they have questions about plan designs, claims, wellness initiatives and service offerings.
Open Enrollment Meeting Preparation
We believe in making the Open Enrollment (OE) process fun. We want to encourage your staff to enroll and engage in their health. So, whether it’s handing out goodies at your Open Enrollment meeting(s), creating and implementing contests to incentivize employee engagement or designing a wellness program to encourage healthy living throughout the year, we think the meeting itself is the perfect time for you communicate the value of your benefits and to get the goodwill you deserve for the money that you spend on benefits.
Human Resources Compliance
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Compliance Support
5500 Reporting
We provide signature ready 5500 reporting at no cost to our clients. We collect and track the information required to get the reporting completed, so all our clients have to do is review and sign.
Wrap Documents
We provide signature ready wrap documents to keep you in compliance (including 5500 reporting) for potential ERISA audits. We collect, verify and produce the document so your staff can check compliance off their to do list.
ACA Compliance
We help our employers maintain compliance through assistance with 1095’s ( production assistance and payment for production), assistance with PCORI fee filing, and compliance updates.
Analysis & Reporting
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Plan Analysis & Reporting
Actuarial Analysis
Our proprietary underwriting tool provides insights unmatched in the industry. Our tool reviews clients’ demographics, regional cost of care by insurance carrier, and claims. Our parity tool analyses the premium and the relative value of the plans being offered to ensure that a decrease in plan design is met with the appropriate decrease in cost With this tool, we are able to show the best value overall, which is not necessarily the cheapest. Beyond renewal actuarial services, we can provide access to INBR reporting for self-funded client at no cost as requested.
Carrier Billing Audits
After each open enrollment, we provide a complete audit of every bill to ensure open enrollment changes were processed correctly. We are also willing to do an audit on request at anytime for clients. For some clients, we have also partnered with services that complete this on a monthly basis to ensure continued accuracy.
Claims Analysis
We will look at your claims and make targeted plan design recommendations based on utilization. For example, last year, with one client, we found 42% of ER over-utilization. By moving this to a higher copay and educating employees on alternatives like telemedicine and urgent care, we were able to bring the excess utilization down.
Custom Reporting Package
We provide custom reporting for self-funded clients so you can understand claims risk and make informed decisions prior to renewal. We will identify high cost claims and create expected renewals based on the reporting and claims.
Wellness Services
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Wellness Services
Wellness Events
Your benefits success team is well versed in different wellness plan options and will do a formal wellness plan RFP to determine the best options for your group. We are dedicated to helping employees to healthy in unique ways. We have created onsite/ near site clinics, managed numerous health fairs, and created fun and meaningful events including benefits hikes, bike rides and community service. We have also scheduled seminars to help with financial wellness and stress management. We have experience working with carriers to find low cost solutions that help employers with productivity, absenteeism, and workplace culture.
On Site/ Near Site Direct Care
We have created near site direct primary care practices for clients in the Boulder area ( though we are able to expand to any location) through our direct primary care practice, Foundation Health. With direct primary care, employees face no barriers to getting the care they need through flexible scheduling, longer provider face time with an average visit of one hour and no copays, coinsurance or deductibles at the direct primary care practice. With out barriers, employees are able to treat issues early, turning potentially large and life threatening claims that spiraled out of control because of inadequate access to simple procedures, quick surgeries or lifestyle changes that have lifelong impact.
Webinars & Presentations
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Webinars & Presentations
Webinars & Presentations
We also offer lunch-and-learns for our clients to better understand pertinent topics in benefits including Medicare, Medicaid, balance billing among others. If you have a wellness fair, we can help you manage and coordinate it so that you can educate your staff on the best ways to be proactive in their health. We are also available for webinars to help employees understand their benefits.
Enrollment Materials
We design and print custom benefit guides to help your employees navigate your offerings. We create powerpoint presentations as needed. We coordinate with carriers for additional printed resources. We update and maintain our online portal for your preferences. We do all of this at no additional cost. See example guides from past years.
Our Process
BENEFITS ASSESSMENT
Before you even become a client, we can collect information about your benefits to help us create a real plan of action when you become an FH Insurance member. This process includes filling out a form about what is working and what can be improved with your current benefits offerings, benefits compliance, and team satisfaction.
ANALYSIS
Before you even become a client, we can collect information about your benefits to help us create a real plan of action when you become an FH Insurance member. This process includes filling out a form about what is working and what can be improved with your current benefits offerings, benefits compliance, and team satisfaction.
STRATEGY MEETING & DECISION MAKING
After you decide to become an FH Insurance client, we will assist in submitting the appropriate forms to your insurance carriers to work on your behalf. Then, we can get started. We’ll schedule an initial benefits meeting and support you in creating a plan of action in response to our analysis for potential improvements.
ONGOING SUPPORT
We review every carrier, every vendor, and every product so you know your employees are getting the right benefits. We can help you implement integrated software that will minimize benefits inconveniences. This includes a free online enrollment tool; payroll software; compliance support services, including COBRA and Flexible Spending accounts; and much more. We’ll negotiate rates at renewal, attend enrollment presentations, and be on call to answer any plan-related questions that may arise.
From Our Clients
We have worked with the insurance brokerage folks at FH for 8 years. They help us to stay on top of the issues relevant to health insurance as well as other employee benefits. In fact, we use FH to handle most of our employee benefits. We are extremely happy with FH and the services they have provided. They partner with us regarding the critical issues related to cost and coverage and carrier relations and employee usage/communication. They help us deal with individual insurance claims as well. What we appreciate most about FH are the relationships we have with their team. Carol and Ronnie and Gary are so supportive and responsive. These are good, good people who make a difference with our overall employee benefits package. I can’t say enough good things about FH.
Carl B.
The brokers at FH Insurance have given me and my employees exceptional service for the past 5 years. As a business owner I want to provide the best benefits possible to my employees and FH delivers every year! Working with them is effortless and they are always responsive and helpful. They have consistently saved my company money each year.
I give them my highest recommendation!
Doug P.
FH Insurance is such an exceptional broker. They are always on call and always willing to go above and beyond to take care of people when situations arise. They truly take ownership, ensuring things go well from start to finish, and engaging fully in solutions whenever a situation arises, even when it is completely out of their control. We love working with them.
Jessica H.
As a company, we love FH Insurance. They are great to work with because they make things very easy on our end, help us obtain amazing coverage, and they are always available to quickly assist with any matter. Ronnie is super friendly and helpful - any company is lucky to have her on their side!
Danielle O.
If you want an insurance broker who really gets to know your business and advocate for you go with FH insurance. MANY years of experience in the industry and well connected with carriers. You really can't go wrong with Ronnie, Ginnie and their team!
Naomi H.
My health care coverage changed every year for five years. Kim Williams helped me navigate through all my options each year so I could make the best decision for me. I highly recommend this company for professional, competent, and friendly service!
Diane B.
I cannot thank the FH team enough for everything they do to make our lives easier! They truly are a great team of professionals who are passionate about what they do. Not only do they constantly seek out ways to save our business money but they also help us adapt new practices in order to save us time! On top of all that, they are a lovely group of individuals who sincerely care about their clients and make them feel like family! The FH team has exceeded my expectations and I highly recommend them to any business needing help in the benefits department. I promise that you will not regret the decision!
Lindsey C.
Insurance is one of those things that can be awful to get and especially horrendous to deal with. Having bought insurance for my staff for 27 years I can honestly say FH Insurance is great to work with. They have saved us tens of thousands of dollars in insurance costs yet provided our staff with the best medical plan we have had in 27 years. I highly recommend their service and especially appreciate their commitment to us the client.
Rodney S.
FH Insurance is outstanding! Everybody knows working with insurance brokers is like pulling teeth out of an alligator (a live one!) My employer annually has us sign up for benefits which I did. Unfortunately, I didn't pay attention like I should and signed up on the wrong policy. The way I figured this out is I renewed a prescription that normally my co pay is 52.00 I was taken back when the pharmacist told me 958.41 and that I had a 5,000.00 deductible that had to be met before the insurance would be applied. I’m a diabetic with high blood pressure and many other medical issues I would have went to the poor house trying to pay the 5,000.00 deductible. I contacted Kim Lasley (one of FH Insurance Ninja’s) she contacted Ronnie Meyers (THE MIKE TYSON!) and literally within 48 hours this situation was fixed. You need to know this was ugly; there was a chance the mistake I made I would have had to live with—remember, I made the mistake, not FH Insurance. They rolled their sleeves up and championed my cause. In closing, you need to know I don't do reviews and I am old school. I just don't repeat business with companies that don't walk the walk! However, even if I had to bite the bullet and pay until the deductible was met, just the fact it was taken seriously and handled right away, shows me that they really care! The team at FH Insurance are the type of people I want to do business with, Thanks again to all at FH Insurance, YOU’RE THE BEST!
Bob V.
2511 31st Street in Boulder ◼︎ (720) 727-1734 ◼︎ hello@fh-insurance.com
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