Life Insurance

Protection for your
loved ones

Auto insurance

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business insurance

Let us review your exposures and
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Homeowners insurance

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Employee Benefits

Communication and education
about a comprehensive
range of employee plans

Employee Benefits

Group Employee Benefits Services

TAKING CARE OF YOUR EMPLOYEES

The employee benefits programs we offer are tailored to meet your needs and simplify administration so you can focus on your business. Our experienced client services professionals deliver timely service when it’s needed the most. You can feel confident your employees’ well-being is taken care of, and your employees can feel confident knowing they have financial security during a time of need.  We specialize in designing programs to fit your needs and budget as well as servicing your company’s needs throughout the policy year.

Our services include:

THOROUGH ANALYSIS

Carleton Insurance Agency will perform a complete and thorough initial analysis of your company’s group Employee Benefit Programs, including:

  • Medical
  • Prescription
  • Vision
  • Dental
  • Life
  • Voluntary Products
  • Self-Funded Products
  • Long Term Disability
  • Long Term Care
  • Section 125 Plans
  • Health Savings Accounts (HSA)
  • Health Reimbursement Accounts (HRA)
  • Medicare Group and Individual
  • Health Insurance Marketplace (SHOP) http://www.getcoveredamerica.org/faq/
STRATEGIC PLANNING

By reviewing your benefits objectives, constraints, and contribution levels, Carleton Insurance Agency can identify and schedule long-term benefit strategies and contribution methodologies to help control costs over the long term. The benefits of strategic planning include fewer carrier changes, fewer benefit design changes, and consistent contribution plans.

ANNUAL NEGOTIATIONS

We will annually market all lines of coverage and negotiate with the appropriate carriers for the lowest possible cost. We then analyze the competitive quotes, and re-negotiate with the desired carriers. The Plan Design Review, Network Analysis, Open Enrollment Coordination, and Annual Benefits Report are handled entirely by our team of professionals.

CLAIMS EXPERIENCE REVIEW

On a quarterly basis, Carleton Insurance Agency will meet with your company and review the claims experience from the prior quarter (if applicable) in order to strategically plan for the renewal. Such preparation will eliminate potential surprises.

EMPLOYEE COMMUNICATION

One of the NEW services offered to our group clients is the creation of personalized Employee Benefit Statements. In addition, our employee “Quick Tips” trouble-shooting guide helps reduce frustration with carriers.

CLIENT SERVICES TEAM

The resolution of claims, billing, enrollment, and general service issues is the sole purpose of this team. A dedicated internal service representative, will support you, your entire HR Department and your employees. The team averages over 25 years of member services experience and utilizes a state-of-the-art tracking system to ensure your satisfaction. The service team reduces valuable HR time spent handling repetitive service issues and reduces resolution time because of their dedication to resolving outstanding issues.  Our tracking software generates reports detailing service issues and areas of possible concern.

COBRA ADMINISTRATIVE SERVICES

Based on typical client’s objectives for COBRA administration, outsourcing these services can guarantee compliance regarding COBRA and HIPAA regulations, reduce the amount of time necessary to administer COBRA and HIPAA, and allow the HR department to better utilize its time.

HRAs, HSAs, MSAs, FSAs and Section 105 – MERP Plans

Carleton Insurance Agency will provide education and information on these programs, thus allowing our clients to determine whether they would benefit from these creative strategies for controlling employee benefits costs in the future.

We are committed to a high standard of excellence
in all that we do and establish a firm relationship of
mutual trust and service with each of our clients.

 *This is a general description of coverages. Not all coverages are available in all states. Contact a Carleton Insurance Agency professional for policy terms, conditions, and exclusions.