Employee Benefits

Employee Benefits 2017-04-08T18:30:49+00:00

BENEFIT DESIGN

Our goal is to achieve a long-term relationship focused on continually bringing value to your employee benefits management and insurance programs.  Through strategies that reflect your company’s needs and long range goals, our experienced benefit consultants take a multi-faceted approach to tailoring your benefits.

We are well versed in all aspects of benefit design – fully-insured, partially and self-funded health plans, HSAs, HRAs, FSAs, CDHPs, Group Life, Disability, Dental, Vision and more .

We’ll analyze your objectives, culture, current benefit structure, programs and services.  With a clear understanding of your needs, we’ll tie our experience, resources and partnerships together to design the optimal benefit package that will help you achieve your goals.

Through our expert partners at UBA, we’ll have access to actuaries and underwriters who perform cost modeling and risk analysis, helping us determine exactly what plan type, funding method and contribution structure best meets your company’s long-term objectives, as well as the needs of your employees and their families.

Additionally, the UBA Plan Evaluator helps us to compare multiple benefit plan options side-by-side to identify the plan the saves you the most money, without reducing quality of benefits and life for your employees.

We’ll harness the purchasing power of our partnership with UBA to bring you preferred pricing and enhanced services from carriers.  Additionally, our UBA partnership also gives you access to the UBA Health Plan Survey, which is the nation’s largest and most comprehensive benchmarking survey of plan design and costs.  Along with your specific claims data, the UBA benchmarking survey acts a powerful check and balance against the carrier’s proposal.

Lastly, with decades of experience in the employee benefit arena, Davis Pacific Benefits has built strong relationships with all the major health insurance companies and can also leverage those relationships to further benefit your organization.

Network and vendor selection can be a significant area of cost savings for you and your employees. Utilizing your specific claims data, and the collective bargaining power of UBA, we’ll help match you with the best networks and vendors offering the highest discounts for your employees’ specific needs.  Then we’ll follow through with accountability and oversight, ensuring your employees and their families are getting the best healthcare for their money.

We take a proactive and holistic approach to renewal, which is by far the best strategy to avoid dramatic premium increases, and in many instances reduce your premiums.

Davis Pacific Benefits are experienced negotiators capable of working the underwriting process to your benefit. In addition to reviewing market conditions and your coverage needs well in advance of your renewal, we’ll develop your carrier negotiation strategy based on specific claims information and predictive outcomes (determined through trusted UBA benchmarking and other data).

Other strategies we’ll review and consider for renewal:

  • Plan Design
  • Funding options
  • Network and vendor analysis
  • Incentive based and other wellness programs
  • Disease management
  • If applicable, claims and dependent eligibility audits