What our clients are saying:
Our Services
With the dramatic pace of change in the health care industry, it’s hard for anyone to keep up. From new state and federal regulations to sophisticated plan designs and funding arrangements, administering employee health benefits has become increasingly complex. Park Row Associates provides you with the information and services you need to make the best decision about your plan. Here’s how we do it:
Analysis
We’ll scrutinize all aspects of your company’s employee benefit plan – including the rating methodology, claims history, reserves, demographics, profit margins and financial arrangements. Our detailed analysis can help you uncover any “hidden” costs in your health care premium.
Negotiation
We’ll solicit competitive proposals and negotiate cost-effective renewal rates with health carriers on your behalf.
Education
We’ll help educate your company’s decision makers on all available options in the health care marketplace and also help communicate those options to your employees.
Strategic Planning
We’ll provide periodic budget estimates well in advance of renewal and recommend practical business strategies – such as plan design changes and alternative financial arrangements – to help control your current and future health care costs.
Medical
Next to salaries, medical benefits are often the largest expense for an employer. This is why Park Row works closely with our clients to find the right carrier, plan design, contribution structure and funding arrangement to satisfy their needs. Now more than ever there is no “one size fits all” when it comes to your medical insurance plans.
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Dental & Vision
A well-rounded employee benefits package is often vital to employee recruitment and retention. Whether on a group or voluntary basis, dental and vision plans can be a worthwhile addition to your employee benefits package.
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Actuarial/Underwriting
Having a full-time underwriter on staff allows Park Row to bring solutions to our clients, taking into consideration the overall impact of the benefit decisions for both employers and employees. Depending upon the number of employees, we will provide:
- A fully-insured versus self-funded analysis
- Alternative funding options
- Premium contribution structure exhibits
- Deductible reimbursement analysis
Our actuarial and underwriting expertise sets Park Row apart from the competition!
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Administrative Services
We know that time and resources are tight. Whether it’s COBRA, HRA, HSA (Health Savings Account), FSA administration or IRS 5500-filing preparation, Park Row can assist companies like yours in finding the right partner to deliver these services. As an added benefit, Park Row provides its clients with excellent online tools and resources like Park Row Connect and our new Park Row HR Advisor.
For more information on Park Row Connect, Click Here.
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Park Row HR Advisor
Park Row HR Advisor is an email based tool that connects Park Row clients to our HR consultant for input and advice on regulatory, compliance and human resource administration issues. With over 25 years of human resource management experience, Steve Hinds provides human resource consulting services to a variety of industries. A skilled trainer, Steve is also an instructor at Bryant University and the Community College of Rhode Island.
Specialties
- Management Training
- Executive Coaching
- Career Coaching
- Leadership Development
- Interim Human Resource Management
- On-Site and Virtual Human Resource Management Support
Interested in HR Advisor? Click here.
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Group Life & Disability
Providing income replacement to employees and their families in the case of disability or death is an important consideration for employers, especially in these tough times. Working with only the most respected and competent carriers in the industry, Park Row can create plan designs to complement existing policies or develop a new approach benefit for your company.
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Voluntary Products
Voluntary products are a cost-effective approach to supplement an existing benefit package. From accident and cancer policies to medical gap plans, Park Row can find the right carrier and products to fit your needs!
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