Our Consultative Approach

Bell Associates believes that providing the right benefits solution requires a collaborative effort. We take a consultative approach that looks at your benefits in the context of your overall business. We'll work with you to identify your risks, weigh the pros and cons of possible solutions and develop a plan that works for you and your employees.

And we're flexible in how we work with your team. We can be involved on a day-to-day basis – acting as the liaison between you and your carrier and working with you to handle daily inquiries from employees. Or we can take a higher-level approach and help you with risk analysis, long-term planning and utilization review.

We can provide:

  • Comprehensive risk analysis. Identify, evaluate and quantify the risks associated with your current plans, as well as those of possible new solutions.
  • Strategic five-year planning of your health care needs. Avoid the expense and time required to bounce from carrier to carrier. Avoid rate-increase surprises and integrate your plan with your company's future.
  • Preventive care management and coordination. Minimize healthcare costs while maximizing employee efficiency.
  • Continuous claims analysis throughout the year. Manage and address new claims problems as they arise instead of being forced to respond impulsively and hastily during renewal period.
  • Cost management. Make sure your employees get the benefits they need without overburdening your budget.
  • Employee education and communications. Maximize benefits understanding and usage by providing clear, accurate information in a timely manner.
  • Benefits/Human Resources administration. Reduce and streamline your administrative responsibilities so you can focus on core operations.
  • Legal Compliance. Stay current on the latest regulatory and legal changes so you can avoid penalties and reduce liabilities.

Bell Associates helps companies build employee benefits packages that can include:

  • Health Plans
  • Group Life Insurance
  • Accidental Death & Dismemberment
  • Dental Plans
  • Vision Plans
  • Voluntary Benefits
  • Short-Term Disability Plans
  • Long-Term Disability Plans

Our consultants combine insightful expertise about each of these benefits package options with a thoughtful understanding on how they can work together to meet the specific needs of your company.