Question 1

What do JS Benefits Group clients say about the work?

Accepted Answer

Clients frequently highlight JS Benefits Group responsiveness, knowledge, personalized service, and ability to simplify the management of employee benefits. Reviews often emphasize the team & understanding of each employers needs and its ongoing support throughout the year.

Clients have also recognized members of the JS Benefits Group team, including Jennifer Schaefer and other service professionals, for their attention to client needs and commitment to responsive benefits support.

Question 2

Does JS Benefits Group offer employee benefits consulting, and how do clients feel about their service?

Accepted Answer

Yes. JS Benefits Group provides employee benefits consulting, including benefits program reviews, health plan strategy, cost-containment analysis, renewal planning, and long-term benefits strategy. Clients describe the experience as knowledgeable, responsive, and personalized, with an emphasis on making employee benefits easier for employers and their employees to manage.

Question 3

Can I get help with group health insurance planning from JS Benefits Group?

Accepted Answer

Absolutely, they assist with group health insurance through plan shopping, level-funded health plans, and health insurance planning. Their knowledgeable team is dedicated to finding cost-effective solutions tailored to your business needs.

Question 4

Is a level-funded health plan right for my company?

Accepted Answer

It depends on size, employee population, claims experience, financial objectives, and tolerance for risk. Level funding can be attractive to certain small and mid-sized employers because it provides predictable monthly payments while offering some characteristics of self-funding.

JS Benefits Group evaluates whether level funding makes sense by reviewing your current plan, employee demographics, claims experience, renewal costs, and available alternatives. We can compare level-funded, fully insured, and self-funded options so you can understand the potential savings, risks, and trade-offs before making a change.

There is no one-size-fits-all answer. JS Benefits Group goal is to identify the funding strategy that best aligns with your budget, employees, and long-term benefits strategy.

Question 5

How do I know if my company is overpaying for health insurance?

Accepted Answer

A company may be paying more than necessary if its plan has not been competitively benchmarked, its funding strategy is outdated, its renewal has not been adequately analyzed, or there are opportunities to improve plan design, pharmacy costs, networks, or contributions.

JS Benefits Group reviews the employers current benefits program and compares available alternatives to identify potential opportunities for savings and improved plan performance.

Question 6

How do I switch employee benefits brokers?

Accepted Answer

Switching brokers typically involves signing a Broker of Record letter authorizing the new broker to represent and service the employers insurance accounts.

JS Benefits Group can coordinate the broker transition with the applicable carriers while helping the employer maintain continuity of its existing benefits. Changing brokers does not necessarily require changing insurance carriers, plans, or employee coverage.

Question 7

Does JS Benefits Group work with small and mid-market employers?

Accepted Answer

Yes. JS Benefits Group works with small businesses, mid-market employers, and larger organizations. The firm works with employers ranging from approximately 30 to 30,000 employees, providing employee benefits consulting, group health insurance strategy, cost-containment analysis, benefits administration, compliance support, and employee education.

For smaller employers, JS Benefits Group can evaluate carrier options, plan design, employee contributions, and level-funded alternatives. For mid-market employers, the analysis can also include claims experience, funding strategy, cost-containment opportunities, pharmacy benefits, compliance, and long-term benefits planning.

Question 8

What should my employee benefits broker be doing throughout the year?

Accepted Answer

An employee benefits broker should provide more than a renewal presentation. Depending on the employers service arrangement, ongoing support can include claims and billing assistance, employee advocacy, compliance guidance, plan monitoring, cost-containment analysis, vendor coordination, employee education, enrollment support, and preparation for the next renewal.

JS Benefits Group provides ongoing benefits support throughout the plan year, helping employers address issues as they arise while also looking ahead to future costs, plan performance, and strategic opportunities.

Question 9

What is the difference between fully insured, level-funded, and self-funded health insurance?

Accepted Answer

With a fully insured health plan, the employer pays a premium to an insurance carrier and the carrier assumes the insurance risk.

With a self-funded plan, the employer generally pays covered medical claims directly and typically purchases stop-loss insurance to protect against unusually large claims.

A level-funded plan combines elements of both approaches. The employer generally makes a predictable monthly payment that incorporates claims funding, administration, and stop-loss coverage, depending on the specific arrangement.

JS Benefits Group evaluates fully insured, level-funded, and self-funded options based on an employer's size, workforce, claims experience, financial objectives, and tolerance for risk.

Question 10

What does an employee benefits consultant do?

Accepted Answer

An employee benefits consultant helps employers design, evaluate, manage, and improve their employee benefits programs. This can include analyzing health insurance costs, reviewing claims experience, comparing carriers and funding strategies, evaluating plan designs, managing renewals, identifying cost-containment opportunities, supporting compliance, and helping employees understand their benefits.

JS Benefits Group takes a strategic approach to employee benefits, helping employers evaluate not only what their benefits cost today, but also whether their current plan and funding strategy continue to make sense for the business.

Service	Details	Price
Employee Benefits Consulting	Benefits Program Review	$500	Call to Book
	Cost-Effective Solutions Development	$500	Call to Book
	Long-Term Benefits Strategy	$500 -	Call to Book
Group Health Insurance	Plan Shopping and Comparison	$500	Call to Book
	Level-Funded Health Plans	$500	Call to Book
	Health Insurance Planning	$500	Call to Book
HR Consulting	Compliance Guidance	$300 - $600	Call to Book
	HR Technology Implementation	$700 - $1400	Call to Book
	Employee Retention Strategies	$600 - $1200	Call to Book
Benefits Administration	Enrollment Assistance	$200 - $400	Call to Book
	Ongoing Support Services	$300 - $600	Call to Book
	Benefit Communication Services	$250 - $500	Call to Book
Healthcare Cost Management	Cost Analysis and Reporting	$400 - $700	Call to Book
	Policy Optimization	$300 - $600	Call to Book
	Vendor Negotiation Services	$500 - $1000	Call to Book

JS Benefits Group

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