Navy & Sage Benefits offers proactive solutions that help to control rising benefit costs. Our team’s extensive knowledge focuses on creating sustainable benefit plans with attention to both your budget and what your employees need.

Listen & Communicate

• Initial and ongoing focus on each client’s unique benefit plan, financial and HR priorities
• Quarterly updates on the usage of your plan
• Telephone and email access to our full service team supporting both administrators and employees
• Full annual review of plan performance at renewal
• Regular progress updates on all projects (from a simple claims issue to complex plan analysis)
• Employee meetings and education sessions (as needed)
• Regular updates on current issues affecting benefits plans
• Customized employee memos and emails for relevant plan changes and industry updates

Deliver Knowledge

You need information to make informed decisions about your plan and your business. Here’s how we help with that:

• Quarterly reporting of claims and trends (and ASO statements if self-insured)
• Marketing of group benefits plans regularly to ensure rate competitiveness
• Benchmarking of benefits plan design compared to others in your industry
• Analysis of benefits plan usage and group demographic changes
• Detailed annual renewal reports

Provide Strategic Advice & Creative Solutions

• Annual renewal negotiations on your behalf
• Detailed analysis of carrier proposals as part of the marketing process to determine which carrier is the best fit for each client and their unique needs
• Predictive analysis of rate sustainability (so your renewal is never a surprise and you know if changing to a new insurance carrier is a smart long-term decision)
• Full implementation support with new benefit and pension programs
• Professional counsel for Human Resource, Health & Wellness, and Disability Management challenges