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Questions?
Finalist Presentation
Presented By:
Jason Mull - Employee Benefits ConsultantJeff Wittig – Sr. Vice President of Employee Benefits
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Agenda
Brown & Brown Empire State
What Makes Us Unique
Current Environment
Opportunities - Top 4 Benefit Objectives
Why Brown & Brown
Next Steps
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What Makes Us Unique
National Strength Decentralization
Collective Wisdom Cost Containment Strategies
The Brown & Brown Advantage !
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Current Environment
Brown & Brown Empire State
Medical – MVP Fully Insured ($30/$50) Dental – 2 plans with Guardian (2 year contract) HRA / FSA / COBRA – administered by Relph
The Arc of ABC County
“has been providing a variety of programs and services for over 3,500 individuals with intellectual and/or developmental
disabilities and their families in the Rochester community for over 50 years.”
Founded in 1956
3500 individuals served 40
locations 839
employees
Self Funded Short Term Disability – UNUM Term Life Insurance - Aetna Long Term Disability - Aetna Supplemental Long Term Disability – Aetna Whole Life Insurance - ING Personal, Cancer & Accident Plans - AFLAC
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Transactional vs. Strategic
Brown & Brown Empire State
Value-Added Shift in Resource Focus to Increase Financial Rewards
Partnership
STRATEGICINITIATIVES
Cost-Shifting Initiatives(No Brainers)
Plan design changes, ER/EE contribution changes
(Transactional)Replaceable
FSA / COBRA / HRA / 5500 Filing
TodayToday FutureFuture
STRATEGIC INITIATIVES
Effective Renewal Negotiations, Financial Claims Analysis, Alternative Funding Arrangements, Wellness,
Medical Management, Onsite Clinics, PPACA
(Transactional)Replaceable
HIGH
MEDMED
LOW
Cost-Shifting Initiatives(No Brainers)
Plan design changes, ER/EE contribution changes
REWARD
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Services
Commission
Premium
Transactional vs. Strategic
Brown & Brown Empire State
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Opportunities
Brown & Brown Empire State
Affordability / Cost Containment
Recruiting & Retaining
Wellness Program Improvements
Compliance & Improved Communication
Top 4 Benefit Objectives
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Cost Containment
Brown & Brown Empire State
0%
20%
40%
60%
80%
100%
120%
140%
160%
180%
1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010
Health Insurance Premiums Workers' Contribution to Premiums
Workers' Earnings Overall Inflation
Cumulative Increases in Health Insurance Premiums, Workers’ Contributions to Premiums, Inflation, and Workers’ Earnings
1999 – 2010
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2010. Bureau of Labor Statistics, Consumer Price Index, U.S. City Average of Annual Inflation (April to April), 1999-2010; Bureau of Labor Statistics, Seasonally Adjusted Data from the Current Employment Statistics Survey, 1999-2010 (April to April).
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0%20%40%60%80%
100%120%140%160%180%200%220%
2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
Health Insurance Premiums Workers' Contribution to Premiums
Workers' Earnings Overall Inflation
Brown & Brown
Cost Containment
Brown & Brown Empire State
Assumptive Cumulative Increases in Health Insurance Premiums, Workers’ Contributions to Premiums, Inflation, and Workers’ Earnings
2011 – 2022
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2010. Bureau of Labor Statistics, Consumer Price Index, U.S. City Average of Annual Inflation (April to April), 1999-2010; Bureau of Labor Statistics, Seasonally Adjusted Data from the Current Employment Statistics Survey, 1999-2010 (April to April).
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Cost Containment Strategies
Brown & Brown Empire State
Data Analysis & Action
Alternative Financial Arrangements
Medical Management & Wellness
Plan Type
Employer / Employee Contribution Strategy
Effective Renewal Negotiations
Plan Design
Cost Containment Strategies.pdf
Effective Renewal Negotiation Data.pdf
SampleTimeline 2012 Renewal.pdf
New Result Report.ABC Companies.w.o notes pages.pdf
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Recruiting & Retaining
Brown & Brown Empire State
Benchmarking – Annual review of local and national data for non-profits. Making you aware on where you stand against your peers.
Cost Containment (Biggest natural recruiting and retention tool)
- Through effective renewal negotiations, medical management and wellness increased costs will level off. This will lead to less plan design changes that decrease benefits, and minimize the need to shift premium costs onto the employees.
- Controlling costs will give you the ability to enrich current benefits, add new benefits and increase employee wages.
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Wellness Program Improvements
Brown & Brown Empire State
Partnership with IHS or CHC
Aggregate Reporting
Individual Reporting
Personal Health Coaching
Venipuncture vs. Finger Stick Wellness\Venipuncture vs Finger Stick.ppt
Incentive Strategies to Drive Participation
Education and Promotion of Program – conducted by wellness partner
Enhance current wellness programs (smoking cessation, fitness, etc)
I:\Brown & Brown Prospects\Precise Tool & Manufacturing\IHS Employee Sample.FINAL.pdf
I:\Brown & Brown Prospects\Precise Tool & Manufacturing\New Result Report.ABC Companies.w.o notes pages.pdf
ARC of Monroe\Sample compliance funding model.pdf
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Wellness Program Improvements
Brown & Brown Empire State
Engagement From The Medical Insurance Company
Each carrier has Wellness Strategists (they are limited)
We would ensure that the Wellness Strategists are engaged with the Arc of Monroe
Coordination between medical carrier, wellness partner and the Arc of Monroe’s Wellness Coordinator. Ensuring each parties wellness initiatives are cohesively working as one
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Brown & Brown Empire State
Your Employee Benefits Team
Nick DereszynskiPresident
Jeff WittigSr. Vice President – Employee Benefits
Maureen Pelose Vice President - Employee Benefits
Tony CabanaSr. Vice President – Employee Benefits Michelle Dardis
Marketing SpecialistDenise BuchananAccount Manager
Gary RussellSr. Vice President – Employee Benefits
Jason MullEmployee Benefits Consultant
Amber GiffordEmployee Benefits Consultant
Carol HimesMarketing Specialist
Pat RyanAccount Manager
Holly RivizzignoAccount Manager
Deb Dobroski Account Manager
Gloria Hamm Marketing Specialist
David SebastianelliEmployee Benefits Consultant
Diana FratangeloAccount Manager
Sheryl PriceMarketing Specialist
Mark MeileVice President – Employee Benefits
Compliance & Improved Employee Communication & Education
15Brown & Brown Empire State
• Account Management team will assist with day to day transactional activities and issues including claims and billing resolution with the carriers, COBRA and Health Care Reform questions for both the HR staff and the employees.
• Dedicated Billing Specialist for the Arc of Monroe
• Annual review of Stewardship Report
• The B&B team would continue to educate the employees and enhance their understanding of their benefits (medical, dental, STD, LTD, Life, FSA and HRA) of any changes and address any individual questions.
• Additional HR Resource - we send to you all Federal and State benefit and HR law changes as soon as we receive them. NY Wage Theft Prevention Act.pdf
• Examples: Health Care Reform Compliance / FMLA / Federal & NYS COBRA Changes / Dependent Care Changes / Medicare Part D Requirements / Labor Law Updates, Transition of Retiree Benefits. W-2 Reporting.pdf
Compliance & Improved Employee Communication & Education
16Brown & Brown Empire State
• Clients will be updated and educated through our retained legal council Miller & Johnson. Healthcare Reform newsletters are distributed routinely as well as webinar sessions to educate and update on Healthcare reform initiatives.
• A customized outline of Healthcare reform implications are provided to large group clients. I:\Brown & Brown Prospects\Precise Tool & Manufacturing\Health Care Reform Summary.pdf
• Health Care Reform webinars can be conducted for the employees at the employers request.
Health Care Reform Guidance
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Continue Great Service with Current Programs
The Brown & Brown Advantage !
TodayToday FutureFuture
COBRA
5500 Filing
SPD’s (ERISA)
HRA /FSA
Wellness Management (Health Risk Assessment / Biometric Screens /
Health Coaching)
EBS RMSCO / Benefit Resources / SSA
(IHS or CHC) & (MVP/Excellus/UHC)
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3-5 Year Strategy
The Brown & Brown Advantage !
TodayToday 3-5 Year Plan3-5 Year Plan
Community Rated
Fully Insured
Wellness Implementation (Stage 1)
Evaluation of Experience Rated
Fully Insured
Quarterly Claims Review
Wellness Implementation (Stage 2)
Evaluation of Contingent Premium & Level Funding Arrangement (Experience Rated)
Fully Insured
Quarterly Claims Review
Evaluation of Onsite Clinics (Marathon Health)
Engagement of Case and Disease Management
Evaluation of Fully Insured vs. Self Insured
Quarterly Claims Review
Implementation of Onsite Clinics (Marathon Health)
Engagement of Case and Disease Management
2011 2012
2013 2014
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Why Brown & Brown
Wouldn’t You Want
Largest and strongest broker negotiating your renewal on your behalf
Focused on cost containment strategies instead of cost shifting to employees
An experienced team with over 225 local employees with access to national resources
Broker with 98.5% client retention
We possess the resources and expertise toprovide you with the best opportunity toclose this gap so you can continue stronggrowth as an organization
An Employee Benefits Presentation for:
January 2009
Full Service Broker
•Preferred Carriers•Consulting•Code Rule 60 Approval•Claims Management•Risk Management•Marketing•Multiple Payment Options
•Benefit Statements•On Line Enrollment•Invoicing & Billing•Performance Management•Virtual Recruiting
•Individual Disability•Individual Life•Key Person Insurance•Estate Planning•Financial Planning•Succession Planning•Long Term Care•Investments
EnhanceServices
Strategic Partners
Ease of Administration
Improve Cash Flow
Pricing Discounts
BusinessConsulting
HR Consultingvia
HR Works
•HR Hot Line / Handbooks•HR Consultation•FML Administration•EEO / Affirmative Action Plans•FSA Administration
•Income Tax Deductions and Benefits•Business Consulting•Bank Financing Assistance•Cash Flow Projections•Financial Statement Preparation•Training Grants•Bookkeeping & CFO Outsourcing
Property&
Casualty
HR Technology
WorkersComp
Employee Benefits
•Benefits Consulting•Marketing•Benchmarking•Compliance (Wrap Doc)•Wellness Initiatives•Strategic Planning•Account Management•Claims Analysis•Employee Communication
Financial Services
•Risk Management•Exposure Analysis•Consultation•Claims Management•Compliance •Marketing•Bonds
Central Point of Contact
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Next Steps/Questions?
Thank You
Earning Your Business Every Day !
