Choose a Carrier

Our review of carriers on your behalf ensures that cost comparisons are not the only barometer by which a carrier is judged. Northern Benefits reviews all aspects of the proposals and then makes a recommendation for carrier choice to the client. We review carriers on many factors to include:

• Financial Strength - using (A.M. Best ratings) Quality ratings using (Health Plan Employer Data and Information Set (HEDIS) and National Committee for Quality Assurance (NCQA)
• Provider Networks - Part of our review is networking consideration, including geo access within the zip codes that your employees work and live. What are the available discounts off claims that are applied to your plan? How does the network fit with your projected expansion or business  travel? Claims costs are the driver of your operating costs and we will look at your top diagnosis and facility charges and review the discounts of the potential by region.
• Carrier Market Experience & Quality - Northern Benefits has over 1500 clients in Vermont and this allows us to be in touch daily with all carriers, keeping updated on policy changes, rate trends and important service issues.
• Reporting Capabilities - By keeping a watchful eye on your claims and utilization, we can plan accordingly for your renewal.
• Premiums - Tough times call for new strategies! Let us get the best cost effective price without sacrificing benefits.
• Case Management - For members who need extra care does the carrier staff in-house registered nurse/case manager's to provide individual attention to members with chronic illnesses? Are catastrophic health events and complicated high risk pregnancies managed?