Strategic Non-Medical Solutions

Helping large employers attract and retain talent with custom non-medical programs

Overview

Brown & Brown’s Strategic Non-Medical Solutions team collaborates with large group employers with one goal in mind, providing independent, customer-focused advice and specialized knowledge to help identify customized strategic non-medical benefit solutions. Our unique approach to our consulting model has enabled us to help nearly a quarter of the Fortune 1000 implement programs that have positively impacted the lives of millions of employees and their families. Our evidence-based approach has allowed us to help significantly reduce the overall costs of our customers’ benefit programs, while enhancing non-medical design, streamlining the process, and improving employee engagement and satisfaction.

How We Can Help

Brown & Brown’s Strategic Non-Medical Solutions practice is staffed by industry specialists. Our customer-focused approach helps us to thoroughly understand your benefits strategy. Your program is designed to help meet the expectations of your business and its employees. As we look for new ways to improve your benefits, our team asks questions and actively listens to help find the most appropriate solution based on your goals and objectives.

Ongoing service is the cornerstone of our employee benefits consulting model:

  • Designated account team
  • Non-medical benefits specialist
  • Subject matter specialist
  • Underwriting and customer analytics

We work with large national and multi-national corporations to help deliver complete, non-medical solutions.

Absence and Leave Management

Services
  • Plan design and pricing analysis (contract, SPD and certificates gap analysis)
  • Consultation, including policy review, end-to-end process and technology assessment, return to work processes, change management and evaluation of absence management practices
  • Financial analysis, claims analysis, claims audits and estimated cost of absence
  • Industry benchmarking studies
  • Program placement
  • Vendor management
    Integration of programs, such as STD, LTD and leave, ADAAA, health and
  • wellness initiatives, workers’ compensation, etc.
  • Ongoing program support through our “advisor on retainer” service model
Solutions
  • Basic, optional, dependent life and AD&D
  • Bereavement
  • Caregiver leave
  • Exigency
  • Extended Illness Banks (EIB)
  • Federal, state and municipal family medical leave (including California leave)
  • Fully insured long-term disability
  • Jury duty
  • Military leave
  • Paid time off
  • Parental leave
  • Salary continuation
  • Self-insured long-term disability
  • Statutory short-term disability (including California leave)
  • Vacation/sick leave
  • Workers’ compensation

Dental

Services
  • Plan design, pricing and funding review
  • Plan marketing and implementation
  • Cost to the consumer assessment
  • Claim and process audits
  • Claims analysis
  • Plan integration with health and wellness programs
  • Network evaluation (access, utilization, net effective discounts, quality)
  • Education, communication and enrollment support
Solutions
  • Benchmarking studies
  • Carrier negotiation
  • Cost containment
  • Dentist recruitment and onboarding strategies
  • Evaluation of true effective discounts
  • Funding solutions
  • Group specific experience trend analysis
  • Network review and disruption analysis
  • Targeted communications on preventative services for future cost savings
  • Utilization review and geoaccess analysis (by service and provider)

Global Benefits

Services
  • Expatriate medical/dental plan underwriting expertise and renewal negotiations
  • Benchmarking surveys and Expatriate program best practices information
  • RFP design and marketing exercises specific to expat benefit programs
  • In depth metric driven analysis of all international carriers’ services:
    • Worldwide Customer Service
    • Medical Support & Evacuation
    • International Claim Processing
    • Direct Pay Networks
    • Online Service Platforms
    • Global EAP & Telemedicine
  • Ongoing support on implementations, plan management, and day to day administration
Solutions

Benefits:

  • International Medical and Dental plans
  • International Life, Accident, and LTD solutions
  • Medical Evacuation and Assistance Services
  • International Travel Medical and BTA cover
  • Global EAP, Wellness and Telemedicine programs

Employee Types:

  • U.S. Expatriates
  • Third Country Nationals (TCNs)
  • Inpatriates to the U.S. (Inpats)
  • Non-nationals hired at the local level
  • International Business travelers

Assignment Types:

  • Long Term Assignments
  • Short Term Assignments
  • Regional Assignments
  • Cross Border Work Situations

Vision

Services
  • Plan design, pricing and funding review
  • Plan marketing and implementation
  • Cost to the consumer assessment
  • Claims analysis
  • Plan integration with health and wellness programs
  • Network evaluation (access, utilization, net effective discounts, net effective discounts, quality)
  • Education, communication and enrollment support
Solutions
  • Cost containment
  • Group specific experience trend analysis
  • Utilization review (by service and provider)
  • Network review and disruption analysis
  • Evaluation of true effective discounts
  • Targeted communications on preventative services for future cost savings
  • Benchmarking studies
  • RFP development and market analysis
  • Carrier negotiation
  • Program placement and full implementation support
  • Ongoing service model

Long Term Care (AGIS)

Disability

Services
  • Plan design pricing and plan funding review
  • Claims and reserve analysis
  • Process improvement
  • Benchmarking
  • Claim and process audits
  • Return to work and ADA strategy services
  • Vendor management/development and monitoring of performance guarantees
  • Marketing and implementation of coverages
Solutions
  • Self-insured short-term disability
  • Fully-insured short-term disability
  • Self-insured long-term disability
  • Fully-insured long-term disability
  • Statutory disability
  • Long-term disability reserve buyouts
  • Individual disability income
  • Executive disability

Executive Benefits

Services

Supplemental Disability

  • Guaranteed issue individual disability programs
  • Voluntary employee choice
  • Employer-funded coverage
  • Choice plans
  • Stop loss programs
  • High risk/high limit coverage
  • Retirement protection
  • Risk transfer
  • Overhead expense
  • Key person coverage (succession planning)
  • Business buy-out
  • Life audits

Supplemental Life

  • Guaranteed issue individual life programs
  • Group universal life
  • Term insurance
  • Permanent coverage
  • Company-owned life insurance
  • Bank-owned life insurance
  • Key person
  • Business buy-out

Other Programs and Services

  • Long-term care insurance
Solutions
  • Individual disability and executive life offerings
  • Customized plan design options
  • Marketing and implementation
  • Coverage gap analysis for higher wage earners
  • Assistance with business case development
  • Executive concierge-level enrollment and post-enrollment services

Life and AD&D Insurance

Services
  • Plan design and pricing analysis (contract, SPD and certificates gap analysis)
  • Consultation, including policy review, end-to-end process and technology assessment, return to work processes, change management and evaluation of absence management practices
  • Financial analysis, claims analysis, funding analysis, and claims audits
  • Industry benchmarking studies
  • Program placement
  • Vendor management
  • Internal policies and processes, vendors utilized, integration points
  • Ongoing program support through our “advisor on retainer” service model
Solutions
  • Basic, optional, dependent life and AD&D
  • Group universal life/group variable life insurance
  • Business travel accident (BTA) insurance
  • On-and off-the-job accident insurance
  • Executive life insurance
  • Retiree life solutions
  • Retiree life buyouts
  • Survivor income benefits

Voluntary Benefits

Services

Life Event Protection

  • Employee discount and savings programs
  • Auto insurance
  • Renters insurance
  • Homeowners insurance
  • Pet insurance
  • Asset and income protection
  • Group legal
  • Identity theft
  • Genomics

Financial Wellness

  • Student loan assistance
  • Tuition programs
  • Lending programs
  • Financial advice
  • Discount programs

Health and Well-being

  • Accident
  • Critical illness
  • Hospital indemnity
  • Long-term care
  • Vision
  • Telemedicine
  • Dental
  • Health advisory

Other

  • Global voluntary programs
  • Childcare and caregiving programs
  • Maternity programs
Solutions
  • Lifestyle protection
  • Life insurance
  • Financial wellness
  • Health and well-being
  • Retiree life buyouts
  • Survivor income benefits

Benefit Technology and Implementation

Services
  • Actuarial, retirement, and group benefit plan consulting
  • Defined benefit plan administration
  • Defined contribution plan administration
  • Health and welfare plan administration
  • Investment consulting services
  • Long term incentive/stock/ESPP plan administration
  • Non-qualified deferred compensation administration
  • Trust and custody services
  • Private exchanges – active and retiree
  • Global benefits administration
  • Global brokerage services
  • 3(21) investment consulting services
  • Financial well-being solutions
  • Physical well-being (wellness) solutions
  • Benefit navigation and utilization solutions

The Strategic Non-Medical Solutions Difference

Specialization

Fully staffed by industry specialists at every level, our deep knowledge and customer-focused approach allow us to thoroughly understand your benefits strategy so we can work with you to design programs that meet the expectations of your business and its employees. Constantly looking for new ways to help improve your benefits, our consultants ask questions and actively listen to find the most appropriate solution based on your goals and objectives.

Evidence-Based Approach

We begin by digging deeper to understand your current plans and processes, as well as the desired outcomes for the future of your programs. We apply a proven methodology to everything we do, and our ongoing service helps customers (who are often understaffed) and carriers (who often rely on market norms) recognize, pursue and seize greater opportunity for their non-medical employee benefits.

Independent

We are well versed in and have deep relationships with all of the key vendors that provide coverage and services to the large employer market. Because our teammates have all worked for carriers prior to working in the Strategic Non-Medical Solutions group, our team has a strong understanding of the non-medical vendors’ pricing methodologies, risk tolerance, technology platform and claim models. Our group vets these vendors annually and evaluates their systems and any related updates to technology or claims processes. Our prior experience on the carrier/TPA side allows us to better understand the vendor’s claim models and systems. As a result of this experience, we help our customers by making recommendations we feel are properly suited for them.

Customer Commitment

We take a uniquely creative approach to benefits consulting and challenge the market with innovative and customer-focused solutions. Our Strategic Non-Medical Solutions team is thoughtful but nimble, able to quickly adapt to our customers’ needs without internal maneuvering that might otherwise slow us down.

Our team is dedicated to help you find the right benefits solution. We are available for your team’s inquiries and to assist with issue resolution, ongoing program analysis and monitoring of plan efficiencies and specialized offerings. We align ourselves with your departmental and business goals, and our service-centric approach contributes to our high customer retention rate.

Ready to attract and retain talent with a robust non-medical plan?

Contact us for more information.