By working with RPS, you gain access to a wide range of insurance products, resources and technology to support your clients. From individual health insurance and Medicare coverages to employer-sponsored group health plans and specialty benefits, our teams is available to support brokers and agencies with everything from quoting and enrollment to case management, renewals and compliance audits.
Products and Services
Group Health Plans
We offer employee benefits insurance solutions for all employer group sizes and provide extensive options beyond traditional medical plans.
Specialty Benefits
We help insurance brokers and employers find options that fit their needs for specialty, ancillary, voluntary and worksite benefits plans.
Employer Services
We provide brokers with back-office and administrative support, including compliance and client services, so they can focus on growing their core business.
Individual and Medicare
We educate brokers about individual health insurance plans and equip them to be a supportive resource for clients seeking advice on Medicare options.
We have deep experience helping health insurance brokers and their employer clients secure comprehensive and affordable health coverage. Licensed in more than 40 states and holding more than 100 general agency carrier and vendor contracts, we ensure that you and your clients have access to the best available employee benefits plans available, including:
- Level-funded and self-funded plans
- Health Reimbursement Arrangements (HRAs)
- Qualified Small Employer Health Reimbursement Arrangements (QSEHRAs)
- Professional employer organizations (PEOs)
- Individual Coverage Health Reimbursement Arrangements (ICHRAs)
Our team of experts can assist brokers in growing their business beyond group health insurance plans and provide guidance for specific federal and state regulations and plans. Many of our ancillary benefits products can be offered as voluntary, contributory or non-contributory — giving your clients ultimate flexibility for their needs and budget. Products include:
- Dental, vision, life, disability and pet insurance
- Worksite coverages (accident, critical illness, cancer, hospital indemnity)
- Executive medical reimbursement
- Healthcare advocacy
- Escalated claims, billing and enrollment assistance
In addition to providing access to a large variety of products and carriers, we also offer back-office and administrative support. This can include marketing, compliance and client services such as application processing and enrollment. Our careful vetting process ensures you don't need to review numerous companies and resources, saving you time and giving you quick access to the products and services that will benefit you the most. Our comprehensive solutions include:
Administrative Services
- Benchmarking analysis
- Benefits booklets
- Consolidated billing
- Dependent verification
- Enrollment services
- Vetting referrals — due diligence review for new vendors
- Wellness programs
- Consolidated Omnibus Budget Reconciliation Act (COBRA) administration
- Family and Medical Leave Act (FMLA) administration
- Third-party administration (TPA) for:
- Flexible Spending Accounts (FSAs)
- Health Reimbursement Arrangements (HRAs)
- Health Savings Accounts (HSAs)
Marketing Support
- Actuarial services — project-based
- Human Resources outsourcing
- Marketing planning and development (ADD)
- Professional employer organizations (PEOs)
- Strategic plans for business growth
Consulting Services
- Actuarial services — project-based
- Human Resources outsourcing
- Marketing planning and development (ADD)
- Professional employer organizations (PEOs)
- Strategic plans for business growth
Technologies
- Payroll and Human Resources Information System (HRIS) consulting
- Online benefit enrollment
- Employee Navigator
- Ease
- bswift
Compliance Services
- Affordable Care Act (ACA)
- Analysis, tracking and reporting
- Remediation assistance for penalty notices
- Online human resources library
- Toll-free human resources hotline
- Employee Retirement Income Security Act (ERISA)
- Calendars
- Document drafting
- Disclosure notices and Form 5500 preparation
- Non-discrimination testing assistance
- Department of Labor (DOL) audit preparation
- Online human resources library
- Human resources 800# hotline
We offer individual health plans from all major health insurance carriers and can assist brokers with both off- and on-exchange options. Additionally, we help our brokers become trusted sources for Medicare with support services including:
- Medicare transition consulting and enrollment for retirees and older workers
- Medicare referral servicing