Tillit Consulting provides group insurance expertise to employers and union groups, addressing issues related to group life insurance, short term and long term disability programs, traditional health benefit plans, managed care offerings, as well as group dental products. Tillit’s actuarial services for the employer and union market are not intended to replace existing relationships with brokers or health and welfare consultants. Rather our services are intended to complement and enhance the process by providing specialized insights.

Services offered to the employer and union group market include:

• Analysis of historical experience and projection of equivalent premiums,
• Premium rate renewal negotiations,
• Development of unpaid claim liability estimates,
• Financial quantification of proposed benefit changes,
• Detailed evaluation of alternative PPO options,
• Direct provider contracting assistance,
• Evaluation and modeling of stop loss insurance for optimal risk retention/transfer,
• Review of and assistance negotiating proposed disease management program fees, guarantees and ROI analyses,
• Proactive analytics identifying areas in need of program modification,
• Evaluation of multiple carrier offerings,
• Development of meaningful and actionable benefit reports,
• Review and audit of pharmacy benefit managers compliance with contractual obligations, including rebate calculations.