Lovitt & Touché’s method of approach has its foundation in developing a strategic direction for our client’s Employee Benefit Plans.  It is our goal to achieve long-term direction focused on bringing value to your employee benefits management and insurance programs.  We commit to utilizing our collective talent to support your insurance goals.  Our ultimate goal is to identify the reasons and drivers of your claims and implement an action plan to control your health care costs.  We will identify training needs and provide on-site assistance to actively address your health care costs and promote a healthy work environment for your employees.

We begin every business partnership with a strategic planning session and identify short-term and long-term goals that align with your organization culture and philosophy.  We provide quarterly financial reports and conduct quarterly analytics meetings to review both financial and utilization performance (customized depending on the available information from the carrier).  We also perform benchmarking to determine where your financial performance and plan design compares to your overall strategy, as well as to your competitors in terms of industry, size and/or region.

We are committed to providing ongoing support.  Your Benefits team at Lovitt & Touché will provide support year round, not just during your renewal process.  We are here to support your day to day needs whether that will be handling issues with billing, eligibility, claims or answering compliance questions or simply needing a communication flyer on “What is a Deductible?”  In addition to assisting your staff, we have a Claims Specialist on your team who will also assist your employees with claims issues, balance billing, etc.  Our team structure clearly illustrates how we support clients on a daily basis.  We are an extension of your benefits and HR staff and are here to assist you in taking work off your desk so you can focus on more proactive projects for your organization.

The last phase of our consulting services is ongoing monitoring, review and refinements.  As you know, the health care industry is an ever changing one.  As we move through the benefits cycle it is essential to constantly monitor how effective the plan is, whether the cost containment program is delivering results, whether employees understand how to use the plan, etc.  We will continually need to review claims, both in terms of financial results and utilization patterns, to determine the best ways to tweak and improve the plan.  This will also have an impact on your long-term strategy and refinements we may need to make to reach those goals.