Our Services

We identify strengths and weaknesses of a company's benefit plan package, offer solutions, and help navigate corporate benefit programs for the best feasible outcomes. Our team has extensive experience in policy management, and related regulation and compliance in the small, mid-size and large market segments. The Client First Team client advocacy has won them the respect and loyalty of employers, human resource professionals, and most importantly, their clients' employees.   

As a standard practice of Client First LLC, we guide employers with carrier, network, and benefit choices that meet the needs of their corporate benefits strategies, as well as the needs of their employees. This includes customized solutions, network selection and transition, promoting wellness programs and consumerism, customer service and claims resolution, employee education and benefits support, compliance audits, benefits budgeting consultation and cost sharing analysis, and last but certainly not least, Affordable Care Act regulations, compliance, and strategies.

We prove our value every day with the following comprehensive range of services:

• Provide assistance with escalated claim issues, eligibility confirmation, provider resources, and carrier administration matters (i.e. billing inquiries and enrollment support)
• We are available to respond to questions regarding plans, claims and eligibility
• Keep clients ahead of the curve by notifying them of changes to the law regarding issues that will directly impact their businesses
• Evaluate HRIS Solutions
• Provide summary of major required health plan notices
• Provide support with various applicable regulations such as DOL, ACA, ERISA, COBRA, HIPAA, and FMLA

• General Affordable Care Act Consulting and Advisement
• Provide guidance on requirements and notices
• Summarize key compliance deadlines and delay
• Email special alerts when requirements chang
• Provide support and guidance with Form 1095 reporting (50+ FT & FTE employee companies)

• Review current plans and level of satisfaction
• Determine key persons' objectives i.e your President, Vice President, CFO, COO, Executive Director, Human Resources Director — anyone you feel has a vested interest in a positive outcome
• Collect updated census 

• Negotiate renewal offer as applicable for the best price possible
• Provide plan alternatives in line with budget priorities
• Analyze available carriers, networks, and plans as alternatives
• Evaluate and compare ACA plans inside and outside of the Health Insurance Exchange (2-50 market)
• Evaluate large 51+ commercial market
• Provide Employer Contribution and related Employee Deduction Cost Analysis

• Assemble group application or renewal documents, which defines the terms of the plan
• Verify eligibility rules and participation requirements are being met

• Provide support at open enrollment, including hosting employee meetings
• Provide your employees with an explanation of their benefits choices and the best way to get the most value from their plans, network access, prescription drug utilization, etc.
• Educate how to be better consumers
• After open enrollment is completed, provide audit of enrollments and waivers to confirm participation requirements are being met and all employee documentation is complete 

• Prepare Wrap Plan Document to comply with ERISA requirements
• Provide amended Wrap Documents in the event of any changes to ERISA-required provisions or material changes to plan information and benefits
• Provide distribution guidelines for Wrap SPD