Employee Benefits
Our employee benefits plans, like all we do, start with a thorough client assessment. Before we consider which kinds of benefits or coverages a company might need, we analyze its competitive market, employee mix, budget and goals. Then, we present a recommended program. These recommendations cover all aspects of the package — deductibles, employee cost sharing, coverage types and rationales, even ancillary programs that might lower costs.
Our goal is not just to create a benefits package. It’s to provide you with a complete program tailored for your company and your employees, one that can grow and change as your needs do.
- We serve clients with a team of dedicated benefits specialists who design programs, deliver prompt service and assist with administration. We work with our clients as agents, brokers or consultants.
- We provide clients with secure, online account access to check claims status, add or subtract employees, review invoices and complete other administrative tasks.
- Our benefits team is available to conduct benefits orientation sessions and explain benefits to employees as questions arise.
- We help implement health management and wellness programs that reduce costs, while providing employees incentives to improve their health.
- Our good standing with a variety of carriers means we can provide very competitive rates and incredible value.
- We have deep expertise in helping companies and trade groups set up self-insurance plans.
- National award winning employee education and communication materials.
- Provide clients with a demographic assessment of employee population and determine benefits needs.
- Expert in evaluation, implementation and communication of Consumer Driven Health Plans (CDHP)
With Payne Financial Group, you get more than a benefits package. You get ongoing service and expertise from advisors looking out for your business, your employees, your bottom line and you.
Related Articles:
Employee Benefits — Health & Welfare Plans
- Benefit Benchmark Surveys
- Customized CommunicationsERISA Compliance
- Total Cost of Benefits
- Disease Management
- Marketing Analysis
- Benefit StatementsDemographic Study/Analysis
- Enrollment Assistance
- Service AgreementEmployee SurveyService Timeline
- Benefit Offerings
Related Articles:
Employee Benefits — Health Care Analytics
- Medical Management
- Actuarial Services
- Demographic Assessment
- Audit Services
- Financial Reporting & Claims Analysis
- Benefit Benchmark Surveys
- Plan/Predictive Modeling
- Network Discount Comparisons
- Carrier Questionnaire & Analysis
Employee Benefits — Wellness & Productivity
- Ignite WIN-WIN
- Customized Communications
- Wellness Certification
- Client Testimonials
- Vendor Request for Proposals
Related Articles:
Employee Benefits — Technology Resources
Payne Financial Group offers a variety of technological resources to improve your day to day workings. Our systems are a way to bring our value added services together in one place for our clients. We have a vast library of resources available
- Employee World
- HR World
- Online Enrollment
- Ignite WIN-WIN
- Seminars/Webinars
- Employee Handbook Templates
- Employer Resources
Employee Benefits — Voluntary Benefits
As healthcare costs continue to rise, so has the demand for voluntary benefits. Voluntary benefit programs allow employers to offer employees more complete benefit packages with no added costs. PFG has a vast selection of voluntary options including:
- Life and AD&D
- Long Term Disability
- Short Term Disability
- Dental
- Vision
- Long Term Care
- Cancer
- Critical Illness
- Accident
Employee Benefits — Additional PFG Services
Employee Benefits — Benefit Plan Solutions
We can design and implement a program that helps protect you and your employees' physical, financial and human resources. Whether you are a sole proprietor or manage a company with hundreds of employees, we provide systems, products and knowledge that are right for you. Your success is our focus, and we're dedicated to providing valuable services to you in a personal way.
For more information on any of the products please contact
Employee Benefits — Individual Medical
If you're self-employed, unemployed or not covered under your employer's plan, you still have high-quality health plan options available. And those options are likely more affordable than you think.
At Payne Financial Group, we work with leading providers in the region. Each offers excellent, value-laden plans for individuals. Plans include a variety of coverage and deductible levels and can be tailored to individual needs. To learn more about these providers or to get a quote, select any of the links below.
You can also, contact your Payne Financial Group advisor directly. We will work with you to help determine what's best for your needs and your budget and answer any questions you have about plan variables. Our needs assessment includes coverage levels, deductibles, plan types and more.
Payne Financial Group is proud to provide individual medical policies from:
Montana: Clear One
Washington: Lifewise
Idaho: Blue Cross of Idaho
Related Articles:
Employee Benefits — Healthcare Reform
Employee Benefits — Individual Medical
Related Articles:
Employee Benefits
Consumer-directed plans combined with health care savings accounts put the decision-making power for health care into your employee’s hands, while helping you keep benefits costs in check. 
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