health and welfare group specializes in the design,
pricing, communication and implementation of all
health and welfare benefit programs.
we work with all of the major insurance providers,
enabling us to produce creative benefit solutions
for our clients. our knowledge of the full range
of competitive choices available from the providers
gives us the ability to provide valuable guidance
to our clients.
because we operate exclusively in the benefits area,
we deliver the highest level of focused expertise
and professional service. our experience with managed
care products and hra/hsa plans positions us to support those clients
who wish to incorporate these tools in accomplishing
immediate and long-term health program objectives.
our work includes the design and implementation
of integrated short and long-term disability programs.
creative design and sharp negotiation skills enable
ruggieri consulting to deliver excellent results
for our clients.
performs a review of all benefit coverage, exploring
new ways to enhance the programs and contain the
costs of delivering coverage. our services in this
• program review and analysis
• selective program marketing
• implementation and communication
• ongoing support and administration
program review and analysis
using census, claims and plan design information
we perform financial, demographic and geographic
analysis that uncovers patterns and leads to pricing,
design and funding recommendations. work performed includes:
• per capita claims formulation and trending
selective program marketing
• diagnostic claims utilization review.
• demographic and geographic modeling.
• rate needs analysis and projection.
to competitively price
various plan design options we selectively approach
viable providers to obtain formal proposals. carrier
selection is based on:
• provider network match.
the most appropriate design options uncovered during
our marketing would be packaged into a cohesive
program able to deliver desired short and long term
results. models of various combinations would be
developed and reviewed in order to decide on final
designs. packages developed would include benefit
designs as well as contribution strategies.
• product design availability.
• service performance record.
• quality of personnel.
• cost considerations.
• reporting capabilities.
• performance expectations.
implementation and communication
we would provide support to ensure a smooth and
efficient transition into any new programs being
offered. the implementation process would include:
• development of communication approach and
follow-up communication to employees stressing key
points of the new program.
• communication to employees and enrollment
• organization of enrollment and transmittal
• coordination with providers on all account
structure, systems, and booklet issues.
• confirmation of enrollment and initial id
information first with providers, and then back
in order to educate employees about plan enhancements
and how to achieve the optimum utilization of available
options, we strongly suggest that mandatory employee
benefit meetings be held. we would assist to whatever
degree required to assure that such meetings are
informative and productive. our involvement can
range from simply supplying sample communication
pieces to completely coordinating and conducting
ongoing program support
once the new programs become operational, it is
imperative that constant monitoring be conducted
to assure future success. each client is assigned
a lead ruggieri representative with overall servicing
responsibilities. these professionals then access
marketing and administrative specialists from our
staff as needed. standard ongoing support services
• quarterly financial reviews for appropriate
day to day administrative and legislative support
as required by client on issues such as claims,
coverage, billing, and plan design.
• semi-annual strategic planning to set and/or
assess program objectives.
• annual renewal / rate need analysis and
negotiation with carriers.
• annual year-end accounting reviews including
5500 preparation assistance.
• marketing activity as needed by client.
• implementation and communication of new
or changed programs.
ruggieri consulting offers our services on a consulting
or brokerage basis. should our work be conducted
on a consulting basis, the actual fees would depend
on which services are to be performed. fees are
most often based on a flat charge for a given project.
we are, however, sensitive to the budgetary constraints
that exist within organizations and would therefore
offer to perform most of the activities outlined
above on a brokerage basis.
on a brokerage basis, we will perform proposed activities
at reduced direct costs to the client. commissions
that providers ordinarily build into the rating
structure of insurance programs would be used to
offset fees to us for our work. commissions from
existing programs can be assigned to offset fees
for any initial work performed.
health and welfare group delivers the resources
required by employers to meet the challenges of
providing health and welfare benefit programs to
employees for today and tomorrow.