Welcome to PBG

You Are Not Alone

Every day news headlines talk of soaring healthcare costs and the increasing financial demands placed on employers. Across the country proposals are being debated asking businesses to share the cost of insuring the uninsured. Healthcare costs are rising faster than the economy.

Besides the growing financial burden, you need to monitor new legislation, adhere to privacy and compliance rules, and manage the significant administrative requirements of your employee benefits program. In addition, new and often confusing benefit products are being created everyday. The merits of consumer-driven healthcare are gaining momentum. And, you need to digest all this to make the best financial and benefit choices for your company and employees. No small task. But you work with an insurance generalist. They must track all this and present sound strategic and cost effective thinking for you. Right?

Relax. You are not alone. Partners Benefit Group was created with you in mind.

Welcome to Partners Benefit Group

We are a full-service company offering companies, with up to 1,000 employees, a complete portfolio of benefits strategy, plan design and management, and support services. Working closely with you and your team, we take an active part in helping to create a comprehensive and customized benefits strategy suited just for your business or organization.

Your company and your employees are not just numbers. You deserve a partner who will become an advocate for you and the employees of your organization.

Rate Negotiation

Rate Negotiation is one of the most important services that Partners Benefit Group provides to clients. To remain competitive, it is critical for employers and employees to obtain the most favorable terms possible. Partners Benefit Group differentiates itself from competitors in the following areas:

• Financial Leverage: With over $60 Million in annual premiums, Partners Benefit Group is well positioned to assist clients. PBG is a Platinum Level Producer with BlueCross BlueShield of Massachusetts. For the past several years, Partners Benefit Group has received the Elite Broker Award from Harvard Pilgrim Health Care. PBG also conducts a significant amount of business with Guardian, Delta Dental and Tufts Health Plan.
  
• Underwriting: Several Partners Benefit Group staff members have underwriting experience. Renewal terms for experienced rated accounts are meticulously reviewed to ensure that all discounts are applied and claims experience is accurate. Each account is audited to determine if the most up to date demographics and industry factors were utilized.
  
• Customized Claims Reports: Partners Benefit Group has the ability to create customized claims reports. These reports are very useful in determining actual loss ratios by plan year and are an advantage in negotiations.
  

The Benefit World is Changing

• Health costs continue to rise at an alarming rate.
  
• There's a lowering of confidence in management's ability to manage their health care costs.
  
• Groundwork is being laid to increase the employee involvement in managing their health care leading to more Consumer Directed Health Care (CDHC) programs.
  
• In many cases, health care benefits issues have shifted from HR to the CFO and CEO.
  
• Because of fundamental changes in legislation, benefit planning is essential for sustainable health care programs.
  
• Companies are increasingly implementing strategic plans for the provision of employee benefit programs.

You can successfully meet these challenges with a consulting partnership with PBG.