Benefits Consulting

  • Totem’s innovative approach to plan design and product offering considers the client’s total benefits portfolio to maximize benefits, provide appropriate coverage, avoid over-insurance, and manage plan costs and employee premiums.
  • Totem has a proven track record working with carriers to shape and implement uncommon innovative products and plan provisions.
  • Totem’s commitment to complete understanding of our clients’ financial objectives and plan experience ensures objectives are not only met, but surpassed.
  • Continuous analysis of claims data helps facilitate appropriate plan design recommendations and highlight employee education opportunities.
  • Detailed knowledge of the customer’s claims experience is a critical component of Totem’s renewal and premium negotiations.
  • Totem manages all aspects of benefits plan service for the HR team and the client’s employees.
  • The Account Management team manages the contract review and distribution process, ensuring accuracy and compliance with ERISA regulations.
  • Totem’s superior vendor relationships and negotiating skills maximize the client’s benefits dollars while enhancing the plan benefits.
  • The Request for Proposal process includes a creative approach to plan offerings and a comprehensive comparison of plan provisions.
  • Totem understands the importance of accurate advice and compliance with ERISA law for health and welfare plans. The law is continually being refreshed to expand protections for plan participants and beneficiaries, and Totem remains a resource for legislative advice.
  • Totem customers are up-to-date regarding industry and legislative issues and their impact in benefits plans, the employees, and the employer.
  • Totem is a viewed as a reliable and informative resource for PPACA and how it impacts employers, employees, and individuals.
  • Thorough affordability analysis and recommendations are provided to ensure employer compliance and achievement of customer goals.
  • Totem’s health plan design recommendations project and manage future employer plan costs, including the Cadillac plan tax.
  • Totem clients are advised and educated on all facets of the law, including the pay or play mandate and employer reporting requirements.
  • The Benefits Services Center is trained and educated on health care reform legislation and how it impacts the employees. Employee messaging is tailored based on the employer’s PPACA strategy and objectives.
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