The rising cost of health insurance is a major concern among employers. The Insurance Exchange offers every major insurance plan to ensure your organization has the greatest flexibility of coverage, the widest possible access to a carrier of your choosing, and the opportunity to control and, often, reduce costs.

Proper design of a benefits program is a complex process that requires careful consideration, planning, consultation, and implementation. Our team of experts work closely with you to design a comprehensive employee benefits solution that matches your organization's business philosophy and employee benefit needs. A properly designed plan enables your business to attract and retain valuable employees while controlling both present expenditures and long-term costs.

We offer the following products and services:

• Consumer Drivens Health Plans (HSA, HRA, FSA)
• Health Insurance
• Life Insurance
• Accidental Death and Dismemberment Plans
• Dental Insurance
• Short and Long Term Disability
• Alternative Funding and Self Insured Plans
• Flexible Spending Accounts and Cafeteria Plans
• Long Term Care
• Davis-Bacon Act & Service Contract Act Recordkeeping
• Fringe Benefit Plans
• COBRA Services

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Actuarial Consulting Services 

www.milliman.com 

The Insurance Exchange has a relationship with one of the world's largest and most respected independent actuarial and consulting firms in the market today. This relationship allows us to utilize the Benefits CFO platform of services to advise our clients with benchmarking, analysis, and other distinctive tools.

Only one agency in each geographic market is selected to provide Mid-sized companies with financial and actuarial analysis through Benefits CFO. With this strategic relationship, we are able to provide two different platforms of service; one for self-insured employers and one for fully-insured employers. These platforms are available at a significant discount from typical ad hoc project fees.

Benefits CFO Summary of Services

• Comprehensive Assessment of Health Plans (CAHP) Report
• Plan Design Analysis
• Renewal Projection
• Renewal Evaluation
• BCT Report - Budgeting, Contribution & Trend Report
• Stop-Loss Analysis
• FMR - Financial Monitoring Report
• IBNR Reserve - Incurred But Not Reported Reserve
• FSA Assist
• HP Assist - Health Plan Assist
• SIFA - Self-Insured Feasibility Analysis
• Merger & Acquisition Assessment Report
• PBM Evaluation - Pharmacy Benefit Manager Evaluation
• Discount Analysis
• BPS - Benefits Positioning System
• FASB 106/GASB 43/45 Valuation
• FASB 112 Reserve Calculation
• Client Action Bulletins, Newsletters & Research Reports
• Plus other hoc actuarial analyses 

• Employee Benefits Video
• Employee Wellness
• International Medical Insurance