THE TOTAL SOLUTION: You cannot afford to travel the winding road of health insurance without the advantage of an experienced navigator who understands all the curves. L&E’s knowledge of the health insurance industry empowers insurance companies, reinsurers, regulators, trade associations and self-insured plan sponsors of all sizes to consistently make the best decisions. Whether it is exploiting new opportunities or resolving conflicting issues, we can help you design a strategy that is both practical and cutting edge. And our work does not stop there. L&E is also your total solution for product support services and all required regulatory filings.
THE RIGHT PRODUCT, RIGHT NOW: L&E considers all health insurance products a work in progress. We know that circumstances can change every day, creating new possibilities for product development and new demands on product management. The new Medicare changes are an example of that. Our first priority is working closely with you to fully understand your operation before helping you develop products that carefully balance your resources and goals. Our expertise in both individual and group products include:
- Comprehensive/major medical
- Managed care, including PPO, HMO, POS and Open Access
- Medicare Supplement
- Disability Income
- Long-Term Care
- Cancer
- Critical Illness
- Dental
- Specialty Accident
- Credit
ALWAYS AT YOUR SERVICE : At L&E, health insurance product design is just the beginning. We place just as much emphasis on product support. You can rest assured that we will keep your portfolio finely tuned to maximize impact and efficiency. Among our specialties:
- Claim Experience Studies
- Re-rating for Renewals and New Sales
- Small Employer Certifications
- Development of Claim Reserves
- Development of Policy Reserve Factors for Statutory, GAAP and Tax Reporting
- Annual Statement Actuarial Opinions
- Valuation of companies and blocks of business for sale, acquisition or reinsurance
- Model Office Projections and Cash Flow Testing
WE HAVE THE RIGHT TOOLS: Our database of HMO and insurance company information has allowed us to build a data set that reflects the "real" costs in an area. The Lewis & Ellis Health Care Cost Model is an interactive tool that allows us to test changes in utilization, reimbursement and benefits. Whether you are pricing a new product, changing benefits or just want to know how to be more competitive, we can help you.
LOOKING OUT FOR THE HEALTH CARE PROVIDER: We are always charting new paths for our health insurance expertise. Our services now reach beyond traditional insurance companies to include hospitals and other health care providers. L&E can provide superior strategic planning and negotiating including:
- Financial projection preparation
- Evaluating contract profitability
- Developing budget models for capitation
- Benchmarking your experience data
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