Whether you are implementing a new benefits package or assessing your current one, we offer a full spectrum of consulting services to assist you. No matter what size or type of business you are in, our professionals will be sure you get the best products at the best price. We have key relationships with leading carriers/vendors and have the flexibility to customize benefit packages. We offer our clients access to a broad range of products and the ability to design a benefit package that will meet their needs – and the needs of their employees.

1. The Health Consultants Group,
LLC.
INSURANCE SOLUTIONS THAT WORK.
FARMINGTON VALLEY CORPORATE PARK
40 CORPORATE AVENUE
PLAINVILLE, CT 06062
WWW.MYHCG.COM
800-367-2482

2. We are the Premier Employee Benefit Specialists
in the Northeast
2
The Health Consultants Group, LLC. is comprised of
caring professionals who have your best interest at
heart. After opening our doors on May 1, 1994, we’ve
earned the reputation as a respected agency delivering
high quality service. We have the knowledge and
expertise to provide you with the high level of customer
service you expect and deserve.
We will work with you to provide you with a
comprehensive review of the marketplace so that you
are able to make a well-informed decision regarding
your benefit package.
The Health Consultants Group, LLC.

3. What are you looking for in a Benefits
Consultant?
3
 Health Reform updates and education
 Plan design recommendations & strategic planning
 Management of vendor relationship
 Contribution Strategies
 Funding Alternatives
 Renewal Negotiations
 Benefit Communications
 Compliance
 Open Enrollment support and education
 Develop long range objectives and initiatives
 Trusted Advisor
The Health Consultants Group, LLC.

4. Our Suite of Solutions
4
WHAT DO WE OFFER YOU?
The Health Consultants Group, LLC.

5. 5
 Medical
Our Suite of  Dental
Solutions
 Life/AD & D
Employee Benefits
 Short Term Disability
 Long Term Disability
 Vision
 Long Term Care
 Voluntary Benefits
 HRA Administration
 Employee Assistance Programs
(EAP)
The Health Consultants Group, LLC.

6. 6
 401K
Our Suite of  Profit Sharing
Solutions
 IRA
Financial Solutions
 529 Plans
 Small Employer Plans
 Key Person Disability
 Key Person Life Insurance
 Wealth Accumulation
 Succession Planning
The Health Consultants Group, LLC.

7. 7
 Workers Compensation
Our Suite of  Commercial General Liability
Solutions
 Commercial Property
Property & Casualty
 Employee Practice Liability
 Employee Benefits Liability
 Inland Marine
The Health Consultants Group, LLC.

8. Core Services
8
LIST OF OUR SERVICES FOR ALL CLIENTS
The Health Consultants Group, LLC.

9. 9
Client
We are on Service
Rep
your side….
You have a team of Financial
Eligibility
Consultant
people with one main
point of contact,
working on your behalf
to make sure all of your
needs are met!
Employee
Benefits
The Employee Benefit Human Specialist
The Benefit
Specialist is the team Resource
Center
Services
lead and continues
active involvement in
all aspects of your
account.
Signature Wellness
Services Team
The Health Consultants Group, LLC.

10. 10
Billing Inquiries
Client Services Carrier Relationship
Our client service team Claims Resolutions
consists of Experienced
Insurance Professionals
who will help your Eligibility
business run smoothly
by working with you to Enrollments & Terminations
help manage your
benefits….
ID Cards
Use US as an extension
of your workforce – We Issue Tracking
will do everything we
can to assist you!
PCP Changes
Prescription Issues
The Health Consultants Group, LLC.

11. 11
• Health Care Reform
• Communication
Client Focus
• Signature Services
Core Services • Regulatory Compliance
Our suite of core • Annual Review of your goals
services • RFP Preparation
Expertise • Benefit Strategy
• Renewal Management
• Financial Analysis
• Incentive Based Programs
• Wellness Programs
Innovation
• Contribution Strategies
• Financial Modeling
• Vendor Analysis & Selection
Carrier • Advisory Boards
Relationships • Platinum Brokerage
• Vendor capabilities analysis
The Health Consultants Group, LLC.

12. 12
January February March April May
Calendar of
Services On-going On-going On-going On-going On-going
service service service service service
Sample Client Service
Plan throughout the
year. Insurance Post Commence First On-going
effective date – enrollment Communication Quarter Communication
New plans follow -up strategy Service
implemented or Meeting
renewed
Post enrollment Bill Audit Form Wellness Wellness Employee
follow-up Committee Health Education
Screenings
On- site Introduce Crossroads On-site Wellness Lunch
meetings Wellness Benefit Central meetings & Learn
Website
Reporting Billing Audit
The Health Consultants Group, LLC.

13. 13
Healthcare  As your trusted advisor, we work
Reform proactively to make Healthcare
We keep you Reform perform for you:
informed….
 Webinars
 Seminars
 Fridays with Phil
 Presentations
 Announcements
 Crossroads Research Zone
 Emails
The Health Consultants Group, LLC.

14. Communication
14
Health
Care
Reform
Seminars
Seminar Legislative
Series Updates
Informed
Client
Quarterly Carrier
Newsletter Updates
Wellness
Newsletter
The Health Consultants Group, LLC.

15. 15
 Accounting Services
Additional  Association Programs
Services
 COBRA Services
To further enhance
your benefit package we  Employee Assistance Programs
provide the following
services to you at  Employment/Labor Attorney
discounted rates to
assist your benefit  Human Resource Services
administration:
 Payroll Services
The Health Consultants Group, LLC.

16. 16
Colonial Cooperative
Endorsements, Connecticut Medical Group Management Association (CMGMA)
Memberships and Connecticut State Medical Society (CSMS)
Business Affiliates Connecticut Technology Council (CTC)
•Business Affiliates Dutchess County Bar Assoc. & Regional Chamber of Commerce
•Updated: November 2011
Eastern Connecticut Chamber of Commerce
Food Association
Independent Connecticut Petroleum Dealers (ICPA)
Independent Electrical Contractors of New England
Fairfield County Medical Association (FCMA)
Glastonbury Chamber of Commerce
Pan Gregorian Enterprises of Upper New York
Plumbing & Heating Contractors of Connecticut (PHCC)
The Health Consultants Group, LLC.

17. Signature Services
17
OUR VALUE ADDED PRODUCTS FOR YOU
The Health Consultants Group, LLC.

18. 18
Benefit Booklet
Signature
Services Benefit Statement
To further enhance Employee Handbook
your benefit package,
we provide service to
complement and assist Employment & Labor Attorney
with your benefits
administration Human Resource Consulting
HR Web
• Research Zone
• Benefit Central
Payroll Services
Wellness Programs
The Health Consultants Group, LLC.

19. The Benefit Center, LLC.
19
IRS SECTION 125 PLANS
The Health Consultants Group, LLC.

20. The Benefit Center
20
Solution Value to you
 Debit Card Solution  A Packaged Service with High
Client Satisfaction
 Flexible Spending Accounts
 Call Center Support
 Health Reimbursement
 Web Access-Employee (Debit
Arrangements Card)
 Parking/ Transit  Cafeteria Plan
 Non-discrimination Testing
 Premium Conversion Plans
 Plan Document
The Health Consultants Group, LLC.

21. The Benefit Center
21
 IRS Section 125 Plans:
 Premium Only Plan (POP)
 Pre-tax for employee contributions toward benefit premiums
 Flexible Spending Accounts (FSA)
 For the Employer:
 Professional and efficient set-up of your FSA
 Administration manual containing all the necessary forms and instructions for filing claims
 Quarterly account activity report and year end analysis report
 For the Employee:
 Claims processing services and weekly issuance of checks from the Administrator’s Trust
Account. Each enrolled employee receives a debit card to access their funds.
 Pre-tax contributions
 Health Reimbursement Arrangement (HRA) Administration
 Third party administration of claims
 IRS compliant
 HIPAA compliant
The Health Consultants Group, LLC.

22. Wellness
22
73 - 86% OF MEDICAL CLAIMS ARE
LIFESTYLE RELATED
The Health Consultants Group, LLC.

23. Why do we need Wellness???
23
 Employer health costs are unsustainable
 An aging workforce and the associated increase in chronic health
conditions is driving higher health care utilization
 Although the U.S. spends the most per capita on health care, by many
measures health outcomes are worse than in other developed countries
 Employers are decreasing or eliminating employee health benefits and
shifting more costs onto their employees
 Increased employee contributions to health care can lead to poor
compliance and adherence to preventive and other clinical services
 Indirect productivity – related costs are significant
The Health Consultants Group, LLC.

24. 24
 Wellness Life Coach
 Customized Wellness Programs
Wellness  Carrier Liaison
We are your partner in  Lunch & Learn Programs
Wellness
 Health Risk Analysis
 Certified Nurse Assistant
 Blood Pressure Screenings
 Body Composition
 Cholesterol Testing
 Wellness Newsletter
 Wellness Website
 On-going communication
The Health Consultants Group, LLC.

25. Why partner with
The Health Consultants Group,
LLC.
25
?????
The Health Consultants Group, LLC.

26. We are the organization to work with to help
meet your objectives
26
 Attentive day-to-day service delivered by a local team
 Access to the best suite of tools and technology to analyze
data, keep you informed or outsource your
administration
 Leading brokerage and consulting firm in the Northeast
 Ability to deliver best in class strategy and leadership as
well as the best financial negotiations
 One stop shopping!
The Health Consultants Group, LLC.

27. Thank You
27
 www.myhcg.com
 800.367.2482
The Health Consultants Group, LLC.