SERVICES

Group Benefits

  • Medical
  • Dental
  • Vision
  • Life
  • Short & Long Term Disability

 

Voluntary Benefits

  • Long Term Care
  • Health Savings Accounts
  • Flexible Spending Account
  • Health Reimbursement Arrangements
  • Pre-Paid Legal Services and Identity Theft Protection



Innovative Insurance Solutions, LLC combines years of experience with leading-edge products to provide exceptional service and value to our customers.

Our Value Proposition
Our goal is to achieve a long-term relationship focused on bringing value to your employee benefits management and insurance programs. We are committed to utilizing our collective talent to support and surpass your insurance and benefits administrative goals.

Our 8 step planning process allows Innovative Insurance Solutions to be your-One Source One Solutions, sharing powerful tools, knowledge and service to improve your bottom line performance.

We promise to identify activities that drive claim frequency, and implement an action plan to control health care costs. We will identify training needs and provide on-site assistance to actively address your health care costs and promote a healthy work environment for your employees.

Carrier Analysis

You face many employee benefit challenges, including internal resources, time management, employee education, compliance with federal and state legislation, trend increases, pharmacy costs, and increased litigation activity. This challenging environment dictates a change in the way you purchase and manage your insurance programs. In order to compete in your marketplace you must adopt a total cost of employee benefits management philosophy based on data-driven decisions and globally positioned communications. We specialize in evaluating, negotiating with, and recommending insurers and providers to our clients, and we employ rigorous selection criteria and performance objectives when considering a vendor.  Our 8 step planning process allows Innovative Innovative Insurance Solutions to be your-One Source One Solutions, sharing powerful tools, knowledge and service to improve your bottom line performance.

Funding Arrangements HSAs/FSAs/HRAs

Employers are increasingly looking to consumer-driven health plans to help soften the blow of continually rising health care costs.  Depending on the model, these plans typically include Health Savings Accounts (HSAs), Flexible Savings Accounts (FSAs) and Health Reimbursement Arrangements (HRAs).  Some plans allow employees to use these accounts to pay for medical expenses that are not covered by insurance while employers use others to provide employees with a fixed dollar amount with which they can  purchase health care services or a health insurance policy on the open market.

The explosion of these types of plans — or at least the explosion of discussion about these types of plans as a potential cure for rising healthcare costs — has left many consumers and employers confused about the right approach.  Introducing consumerism into your health plan requires an evaluation of the benefits and disadvantages of HSAs, FSAs, and HRAs. No one solution is right for every employer. In fact, many employers to not understand which funding arrangement they may or may not participate with personally, as it relates to their business type.  In light of the complexities of choosing the right consumer-driven health plan, many employers continue to take a wait-and-see approach.

If your organization is considering implementing a consumer-driven health plan, Innovative Insurance Solutions, LLC can help you decide which plan is best for you.

Plan Implementation
Securing the best insurance package for your business begins with planning. Analyzing all your risks is critical to successful implementation of your employer group benefits. IIS, LLC will partner with you by providing ongoing assistance, consultation, and service that will help you control your insurance expenses and promote health care consumerism.

Trying to control your claims experience can leave you feeling powerless. We can help. Our tools and resources help you respond to, track, and manage losses as they occur. We can also analyze your aggregate loss history to determine where significant losses are occurring, and develop strategies to mitigate them.

Data Analysis
Data analysis allows you to manage and reduce your claims activity. By analyzing your losses with a sophisticated data analysis tool, we can help you develop cost containment strategies and employee communication campaigns that will target areas with the highest potential to reduce high-dollar claims and high utilization.

Customized Communications
Understanding the increased complexity of employee benefits is a challenge. Staying abreast of the issues you face and developing strategies to meet the constant demands of business can give you a competitive edge. IIS, LLC communication programs will help you stay on top of the changes affecting the employer group insurance industry and consumer-driven employee programs.

Billing Administration/Reconciliation

Accurate and efficient account installation for new and renewing corporate clients

  • Customized, integrated “on-line” and/or “paper” enrollment, allowing multiple carriers and coverages to be coordinated through a single application and single billing statement
  • Renewal Process- Pre-populated Customized Applications
  • Electronic Data Interchange (EDI) capabilities, allowing enrollments to be entered and sent electronically to multiple carriers in an accurate and timely fashion

Personal Claims Advocate
IIS is your advocate. We offer claims resolution and personal service. IIS assists with the coordination and re-processing of claims, contacts providers and/or carriers to remedy the situation in the most efficient manner possible. Our service is second to none. We are here to serve the most important people in our business- our clients and their employees. No problem will go unresolved. Any problem is our opportunity to show you our commitment to excellent service.

  • Claims and Billing Reconciliation
  • Update Personal Information/ Re-Issue ID Cards
  • Provider and Carrier Liaison
  • Appeals Process Assistance
  • Appeal Letters
  • Help find doctors and hospitals
  • Schedule Appointments
  • Assist with Coordination of Benefits
  • Fee for Service Negotiator
 

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