Benefits Are Complicated. The Answers Don't Have to Be.

Absolutely. You don't have to wait until your renewal — or until something goes wrong — to have a conversation with us.

We can review your current benefits program, talk through what's working and what isn't, and help you understand whether there may be opportunities to do things differently. If you ultimately decide to make a change, we'll help guide you through the transition.

We're large enough to bring significant resources, carrier relationships, technology and expertise to the table — and intentionally structured so our clients still know the people working on their account.

We combine benefits strategy with hands-on support across compliance, HR resources, technology, employee education, wellness and the everyday issues that come with managing a benefits program.

PVIS works with employers ranging from very small businesses to organizations with thousands of employees.

Our approach changes based on the complexity and needs of the organization. Our commitment to service doesn't.

That's okay — you don't need one before calling us.

We start by learning about your business, employees, budget, goals and current benefits. Then we help identify what's working, what may need attention and what options are worth exploring.

There isn't one answer that works for every employer.

We consider your company size, workforce, geography, budget, contribution strategy, risk tolerance, recruiting needs and business goals. Then we walk you through the options and tradeoffs so you can make an informed decision.

Before the renewal arrives.

Renewal planning is something we discuss throughout the year. As renewal approaches, we'll review what's happening with your current plans, what's changed within your organization and what strategies or alternatives may be worth considering.

That way, when the renewal does arrive, we're not starting the conversation from scratch.

First, we want to understand why.

From there, we can evaluate available options — which may include carrier negotiation, plan design changes, contribution strategies, market alternatives, funding approaches or other cost-management solutions.

The goal isn't simply to find something cheaper. It's to find the right response.

Yes. We work with clients to plan and support open enrollment from preparation through implementation.

Depending on your needs, that may include employee communications, benefits guides, enrollment technology, in-person or virtual meetings, employee education, carrier coordination and troubleshooting.

Absolutely — and this is an important part of what we do.

Employers make a significant investment in benefits, but employees can't appreciate what they don't understand. We help explain benefits in plain language and give employees resources to make more informed decisions.

Yes. We help clients navigate benefits-related compliance requirements and provide access to tools, resources and specialized expertise.

That can include ACA, COBRA, ERISA, Section 125, required notices, plan documents and other benefits-related compliance matters.

When legal interpretation or advice is needed, we work with experienced ERISA attorneys and other compliance professionals to help our clients get the appropriate guidance.

Call us.

We'll help you understand the issue, identify the appropriate resources and determine who needs to be involved. When specialized legal or compliance guidance is necessary, we'll help connect you with the right professionals.

Not necessarily. A broker change and an insurance carrier change are two different things.

Depending on your situation, it may be possible to change your broker while keeping your existing benefits and renewal date intact.

A broker change does not necessarily mean changing your insurance plans.

If you decide to work with PVIS, we'll help coordinate the transition with the appropriate carriers and partners and explain what — if anything — needs to change.

Usually less complicated than employers expect.

We'll walk you through the process, coordinate the appropriate documentation and carrier communication, and work to make the transition as smooth as possible.

Yes.

Depending on the issue, our team can help employees understand their benefits, navigate carrier questions, troubleshoot enrollment and eligibility issues and assist with claims-related concerns.

That means HR doesn't have to become the middleman for every benefits question.

Yes. We provide benefits-related HR support along with access to HR tools, resources and specialized partners.

When something falls outside our area of expertise, we'll help identify the appropriate resource rather than leaving you to figure out where to go next.

Yes. We work with benefits administration and HR technology and can help clients evaluate solutions, implement systems, support enrollment and coordinate with payroll and other technology partners.

The right technology depends on the employer — we don't believe every client needs the same platform.