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 Focus:
Products & Services
How
does your broker define a good brokerage firm?
The
uniqueness of SBS' program starts with our core product and service
line. SBS offers a full line of traditional employee benefit products
and services.
But it is our menu of value-added services that
utilizes our expertise and enables SBS to meet the needs and desires of
our clients in ways that are truly unique to the industry.
- Provider
Network Discount Analysis – Through a unique relationship
with Milliman, one of the most respected benefit actuarial firms in the
country, SBS has access to a network discount program that has provided
organizations like Coca Cola, Mohawk Carpets and Georgia Pacific
substantial savings in their medical costs – as much
as $1000 per employee per year!
- RxQuest
– a proprietary PBM procurement analysis focused on the proper drug mix
providing you the very best PBM contract. At no cost to our clients, we
can compare which PBM is the best buy. RxQuest shows you why it isn’t
about AWP-X or rebates, it is all about your drug mix. For more
information, click
here. For examples of average guaranteed PBM savings, click
here.
- Legal
support – Legal support - SBS has a global retainer with Proskauer Rose, an international law
firm. SBS clients have unlimited access to legal support for general
Human Resource and benefits related questions. Clients simply e-mail
their request to their dedicated Account Manager, SBS forwards to the
law firm, and our clients receive a written legal position from an
attorney. The turnaround time is generally less than 48 hours. Requests
that involve research that exceeds one hour will be identified as
project work and our client will have the option to use their corporate
council or obtain discounted fees from the firm retained by SBS.
- Open
Enrollment Management and Fulfillment – We take complete
control of your Open Enrollment process to ensure that all
your employees have their ID cards in their hands by your effective
date.
- Benefit
Advisors Network – SBS is one of only two firms to represent
the Atlanta marketplace. BAN is the premier national credentialed
network of independent benefit advisory & consulting companies.
Through best practice sharing, market clout leveraging and shared
capital for investments, BAN delivers industry leading tools,
technology and expertise to member firms to ensure the delivery of
optimum results for our employee benefit customers.
- Population
Health Management (PHM) – SBS is the leader in the
procurement, implementation, management and outcome measurement of
programs focused with improving the health and productivity of your
workforce. We are health and welfare benefit consultants certified in
the valid measurement methodologies for wellness, disease, case and
utilization management programs by the Disease Management Purchasing
Consortium for organizations under 100,000 lives. Experts in
PHM RFP creation, program implementation, program integration into
benefit design, incentive programs and vendor management, SBS is the
leader in helping you manage and measure how health affects your
business. We know how to measure this area devise strategies that “bend
the health cost trend” giving you a competitive advantage in your
marketplace.
- Cobra
Administration – Best in class administration is provided by
Ceridian. Unlike some TPA or third party COBRA services, our contract
with Ceridian indemnifies our clients and transfers the liability
associated with COBRA Administration. Consistent administration by a
third party eliminates any consistency or reporting issues that appear
when employers change carriers for COBRA eligible benefits including
medical, dental, vision and FSA.
- Personalized
Employee Benefit Website – SBS has partnered with Online
Benefits to provide our clients with best in class employee benefit
communication. The "Benergy" communication portal provides 24/7 access
to a company tailored benefit site that incorporates benefit
information across all products. Interactive multimedia video tours
provide ease of use and consistent communication. See a demo at: http://www.onlinebenefits.com/demos/portal_tutorial.html.
Please allow several minutes for this 10 minute video tour to load.
- Clinical
Underwriting Audit – Many premium renewals are heavily
influenced by the estimated future costs of < 5% of your
employees: those with catastrophic claims. Our medical director reviews
the clinical history of each member to determine whether the actuaries
have taken into consideration where these patients are within their
clinical treatment. Since most insurance companies rarely coordinate
their underwriting estimates with their medical management departments,
this type of premium clinical audit gives SBS the ability to
significantly lower premium renewals not available to other benefit
consultancies without a full time Vice President of Medical Management. Click
here for information about our Clinical Premium Renewal Audit.
- Escalated
Claim Resolution – While most claim issues are handled
without incident, occasionally a claim issue needs the expertise of a
clinician with managed care experience who can argue on behalf of the
employee or employer on issues of medical necessity, issues of benefit
coverage, or assist with the appeal process. Our Vice President of Medical Management
understands the system and can be your advocate whenever an escalated
claim resolution is required. Speaking medical director to medical
director often resolves those issues and relieves the HR department of
any involvement in these cases. View information
about our Clinical Premium Renewal Audit.
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