Let's change reactive to proactive to empower more possibilities tomorrow.
Problem: Outdated Benefit Package
Our Solution: Let's future proof your benefit package by creating a more appropriately designed package that supports your anticipated growth. We'll combine benchmarking data with our expertise to implement medical plan design changes, increase ancillary benefits and offer additional products for a well-rounded benefit package.
Problem: Additional Support for Employees and Employer Needed
Our Solution: We'll make self-service a reality for employees by offering a mobile friendly, robust digital benefit guide, available 24/7/365, that answers FAQ's from employees. For the employer, we'll leverage technology, automation and connectivity to avoid building a costly internal team.
Problem: With Rapid Growth comes additional Compliance Requirements
Our Solution: Our dedicated compliance professionals help you steer clear of common pitfalls, avoid costly mistakes and clarify your compliance practices. Ensuring timely, compliant notice distributions is a logistical headache, especially for companies that operate across state lines. We're here to navigate for you.
Our Florida presence give you a global broker right in your backyard!
Florida offices in Palm Beach Gardens, Orlando, Miami and Jacksonville.
Kedra Thompson
Lead Consultant
Nancy Reiss
Client Advocate
Lauren Abramson
Communications
Lauren Erxleben
Benefits Administration
John Deem
Compliance
Nick Conway
Rx Solutions
Matt Vallario
Reporting & Analytics
Sarah Beth James
Well-Being
In addition to the core team above, we can assign additional resources from our NFP resource center as necessary. These resources include:
Navigating shifting regulations gracefully can feel impossible at times. Our experts can back you up.
Reporting and filing requirements, notification requirements, maintaining compliant offerings and navigating privacy considerations keep you busy. Keeping track of deadlines, on top of everything else, can be the last straw.
We use our in-depth industry knowledge to make things easier on you by offering:
Compliance can feel like an uphill battle. Fiduciary responsibilities aren’t getting any easier. Complying with privacy and discrimination laws isn’t always clear cut. Ensuring timely, compliant notice distributions is a logistical headache. Creating and communicating clear military and parental leave policies can be confusing, especially for companies that operate across state lines. That’s the tip of the iceberg, and the rules seem to be changing all the time.
Let our dedicated compliance professionals help you steer clear of common pitfalls, avoid costly mistakes and clarify your compliance practices.
Whether it’s a fully insured health plan, a self-insured plan or a consumer-driven plan, you’ll have solutions designed to help keep your employees – and your company – healthy and happy.
Voluntary Benefits Center of Excellence
From inception and implementation, engagement to measurement, our Voluntary Benefits Center of Excellence removes the barriers that often discourage employers from offering a robust employee benefits program.
Our VB quoting panel efficiently provides competitive and meaningful supplemental health plan quotes, including critical illness, accident, hospital indemnity, and permanent life (with/without LTC) coverage, with additional such as identity theft, legal, and pet insurance.
Our enrollment and engagement services connect employees to offerings through communication and streamlined benefits administration and enrollment. NFP clients can choose from on-site benefit counselors, call center benefit counselors, and an open enrollment communications site with product videos, and much more.
The VB COE manages the process between NFP teams and voluntary benefits partners, streamlining interactions between you, our experts, and benefits and engagement vendors with the intention to improve employee’s enrollment experience.
InsurChoice
Simple | Personal | Experience-Based | Digital
For NFP, innovation is about ideation that connects problems with solutions and positively impacts people.
Our approach is collaborative, inclusive and purpose driven. While many people equate innovation solely to technology, true innovation is about creating value – by solving problems, enhancing convenience, reducing cost – in our everyday lives.
We deliver value to our clients by:
At NFP, our solutions and expertise are matched only by our personal commitment to each client's goals and is enhanced by our investments in innovative technologies in the insurance brokerage and consulting space.
NFP Ventures complements our company goals by making investments in innovative early stage companies that align with NFP's core business and support our client’s goals.
In an environment where benefits costs are skyrocketing, employee needs are as dynamic as they’ve ever been, and attracting and retaining talented employees is a constant struggle, voluntary benefits are a cost-effective way for employers to solve multiple benefit challenges.
Skyrocketing prescription drug prices stand out as the fastest rising healthcare-related cost for employers. Gross prescription prices have increased 4-8% annually for the past five years, but through NFP Rx Solutions’ contract negotiations and clinical programs, net prescription prices for our clients have actually decreased 1-4% annually over the same period.
The NFP Rx Solutions team will assist your account team by developing ideas and recommendations to manage expenses and utilization. Rx Solutions manages prescription drug benefits costs through vendor selection, pharmacy plan audits, clinical management, plan design, and sophisticated analytics. The team of pharmacists, managed care veterans, and data analysts are experienced in designing and implementing successful strategies.
With customized analytical tools, the Rx Solutions team focuses on prescription drug plan financial stability and the quality of member care, driven by robust data analysis. Scope of services include managing all phases of a competitive Pharmacy Benefit Management (PBM) selection process, negotiating new or renewal contract terms and language, overseeing prescription plan implementation and clinical initiatives, financial and clinical analysis, and evaluation of PBM services and programs (including results against performance guarantees).
NFP’s Actuarial Services Team provides you with the precision required in today’s complex benefits landscape. Services include consultations, analyses and valuations related to all health and welfare programs and plans.
Our actuarial staff is committed to assisting in implementing the financing, risk, administration, and marketing of health care arrangements. Our Actuarial Services Team provides over 75 combined years of world-class actuarial input and expertise.
Our high-quality products are your solutions for:
•Incurred but not reported (IBNR) estimates and certifications
•Cost projections, including rate development and adequacy certifications
•Pricing of alternative health plan designs
•Review and analysis of rate renewal proposals
•Self-insurance feasibility and cost analysis
•Analysis and determination of proper stop-loss retention levels, stop-loss rates and proposals
•Calculation and certification of COBRA rate equivalents
•Other post-employment benefits (OPEB) valuations, in accordance with the FASB and GASB accounting rules
•Mental health parity testing
•Medicare Part D creditability testing
We offer our clients a comprehensive reporting package with a focus on actionable outcomes and dashboard/executive reports. Performance is measured versus normative benchmarks and prior year data. Trends, risks, gaps, etc. are identified through this process, and solutions are offered when appropriate.
We have regular meetings (quarterly, annually, and as needed) to discuss claims experience, exposure changes, and general administrative matters that affect overall plan performance. The level of detail included in each of these reports varies depending on the amount of claims experience available.
Despite ongoing economic concerns and other cost-prohibitive obstacles, the need for delivering high-quality, personalized benefit offerings has never been greater. The NFP US Benefits Trend Report is designed to provide insights that help employers better align affordable benefits with employee wants and needs to ensure overall organizational success while fostering higher rates of satisfaction, productivity, well-being, and engagement.
HR Hotline
Client Cloud Portal
Medical: PPO option for all employees, HMO for Florida residents
Dental: No current pain points, continue to monitor benchmarking
Vision: No current pain points, continue to monitor benchmarking
Ancillary: Increase life insurance amounts, add LTD
Voluntary Benefits: Add for Open Enrollment
Employers sized 50-249 in the Entertainment and Recreation Industry
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For your employees their mobile friendly, digital benefit guide is a concise and informative resource that can be used both at Open Enrollment and throughout the year.
It can also be utilized by new hires or prospective hires to educate on the benefits available through TMRW to support your anticipated growth.
Digital Benefit Guides include:
NFP is a leading property and casualty broker, benefits consultant, wealth manager and retirement plan advisor that provides solutions enabling client success globally through employee expertise, investments in innovative technologies, and enduring relationships with highly rated insurers, vendors and financial institutions.
Our Purpose
Our passion is building strong personal relationships based on trust, transparency and active communication so we can create the best possible work environment for our employees and deliver the best possible solutions to our clients.
Our Mission
To empower organizations and people to overcome complex challenges and uncertainties with tailored solutions driven by active listening, hands-on guidance, specialized expertise and human connections.