Healthcare Benefits

Employers want to offer a health plan that is affordable while providing employees with the resources to help them manage their health. Spring tackles all facets of health plan design and financing, including:

Data Analysis and plan analytics
Actuarial pricing, reserving and financial analysis
Underwriting
Eligibility provisions
Preventive services
Wellness programs

Disease management
Employee assistance programs
Self-insurance feasibility
Reinsurance arrangements
Benchmarking
Competitive bidding

Springs healthcare benefit solutions include:

Medical
Plan Design and Analysis Secure HMO, PPO, POS, Indemnity and Open Access plans from the industry’s top carriers Ensure optimal access to coverage Ensure plan compliance Identify coverage gaps/redundancies Health Promotion Health Risk Assessments Onsite clinics Employee education seminars Health incentives Preventive strategies	Health Management Claims management Predictive modeling Outreach programs Funding Feasibility of self-insurance/self-funding strategies Medical stop loss or quota-share reinsurance Actuarial & Underwritting Pricing Reserving Financial projections Risk modeling and variability analysis Underwritting
Dental
Plan Design and Analysis Comprehensive network options Rollover benefit dollars Health Promotion Preventive plans to ensure access to routine care Funding Fully-insured and self-funded strategies Improved cash flow strategies for plan sponsor	Actuarial & Underwriting Pricing Reserving Financial projections Risk modeling and variability analysis Underwriting
Vision
Plan Design and Analysis Secure coverage with leading vision and eye care carriers Funding Traditional Offering vs. Voluntary Offering Alternative funding solutions	Actuarial & Underwriting Pricing Reserving Financial projections Risk modeling and variability analysis Underwriting
Pharmacy
Plan Design and Analysis Standalone pharmacy benefit manager vs. outsourcing Analysis of costs Manage contract negotiations Funding Actuarial analysis Pro-forma projections	Actuarial & Underwriting Pricing Reserving Financial Projections Risk modeling and variability analysis Underwriting

Our brokerage division Spring Insurance Group provides strategic analysis, product placement services and day-to-day program management to plan sponsors and their HR/benefits department.

Medical

Dental

Vision

Pharmacy