Consultant - Employee Benefits

Relation Insurance Services of North Carolina, Inc.; Charlotte (NC); On-site; USD 97,000 - 190,000; Full time

Benefits offered by this job

401K

Employee assistance programs

Paid time off

Paid holidays

Job summary

Relation Insurance Inc. is seeking an experienced account management professional to lead client relationships in the health benefits space. You will oversee open enrollment, prepare detailed reports, and present benchmark analyses to clients using Excel and PowerPoint.

The role requires strong insurance knowledge, regulatory awareness, and the ability to collaborate with carriers and internal teams. A four-year degree is preferred and travel may be required.

Qualifications

• Minimum 7 years’ account management experience in health/benefits.
• Strong knowledge of medical, dental, vision, and disability plans.
• Familiar with HIPAA, COBRA and health reform regulations.

Responsibilities

• Lead client teams and manage open enrollment and plan communications.
• Prepare executive summaries, reports and benchmarking analyses.
• Develop client presentations with Excel and PowerPoint data.
• Coordinate with carriers, vendors and internal teams to meet client goals.

Skills

Account management

Client relations

Insurance knowledge

Microsoft Excel

PowerPoint

HIPAA awareness

Education

Bachelor's degree or equivalent

High School Diploma or equivalent

Tools

Excel

PowerPoint

Word

Job description

WHO WE ARE

Relation Insurance is a leading, innovative company with a strong commitment to excellence and a passion for delivering cutting-edge solutions to our clients. As a key player in the insurance market, we pride ourselves on our dynamic culture, collaborative environment, and continuous drive for success. With a rich history and a bright future ahead, we are looking for exceptional individuals to join our team and contribute to our ongoing growth and success.

WHAT WE’RE LOOKING FOR

The Consultant serves as the primary business contact for the client and is responsible for client satisfaction. The person in this position is expected to consistently provide excellent customer service to accounts, as well as represent client needs and goals within the organization to ensure legendary service delivery. In addition, the Consultant will build relationships with clients to encourage new and repeat business opportunities. The Consultant is accountable for revenue/profitability for client accounts.

A GLIMPSE INTO YOUR DAY

Leads client teams' projects, deadlines and meetings utilizing project management tools. Ensures compliance with professional standards including use of templates, client calendar and peer review process. Develops employee communications strategy and oversees other team members in the execution of this strategy including management of open enrollment process. Responsible for establishing necessary carrier/vendor relationships with appropriate contacts to serve clients in handling all administration of eligibility, claims, billing, plan implementation, contracts, plan changes and necessary amendments. Works directly with the client and manages the request for proposal (RFP) process with the health insurance carriers and internal underwriter and account managers. Reviews the underwriter and/or account manager’s compilation of the health benefits information from a variety of sources responses from the carriers and provided data, reviews the transparency documents and maintains all appropriate documents in proper files. Peer reviews RFP information, analyzes and interprets the results, edits and finalizes the executive summary report to be sent to the client. Reviews claim and utilization data from insurance carriers on a consistent basis, analyzes and interprets data for trends, peer reviews customized reports, and submits reports to client, responding to questions as appropriate. Creates client presentations using Excel and PowerPoint to summarize client data obtained from vendors or Relation consultants. Develops benchmarking reports by gathering health benefits data to compare a client's plan information) to other companies by industry or geography and provides the information to the client. Gathers necessary data from the vendor or client; reviews to ensure it is complete, accurate, and reasonable. Values medical, dental and prescription drug plan designs by entering plan design information to develop the relative cost differences between plan designs, in order to compare the client's current plan to alternative designs. Develops employee contributions scenarios by entering current employee medical contribution data into an Excel spreadsheet and projecting contributions to the next plan year, taking into account the cost-sharing goals of the client. Reviews external vendor contracts, summary plan documents and employee communications to ensure alignment with client expectations and legal requirements. Reviews Summary Plan Descriptions (SPD) from the carrier and compares it to the client's benefits for accuracy. Understands and demonstrates project management and consulting skills. Develops employee communication materials such as benefit brochures, open enrollment presentations, employee memos, etc. Recommends process improvements as needed. Fully adopts innovative technology, including proprietary AI solutions, into the service process to deliver a best-in-class client service experience. Performs other projects, duties, and tasks, as assigned.

WHAT SUCCESS LOOKS LIKE IN THIS ROLE

• A Life Accident & Health License from state of domicile is required and must be maintained.
• Advanced professional designation highly desirable (e.g. CEBS, CBP, etc.).
• High School Diploma or equivalent required.
• Four-year degree preferred.
• Minimum 7 years’ account management experience in the insurance industry with a focus on Accident and Health lines of coverage is required.
• Exceptional understanding of the lines of coverage for employee benefit plans: medical, dental, life, long-term disability (LTD), short-term disability (STD), accidental death and dismemberment (AD&D), vision, etc.
• Exceptional knowledge of the rules and regulations associated with HIPAA, COBRA, Health Care Reform and all other legislation and compliance related areas to Group Health programs.
• Exceptional knowledge of insurance markets, products, services, insurance ratings and underwriting procedures.
• (California-Only) In-depth understanding of AB1672 and Small group regulations.
• (California-Only) Required to participate in the process of identifying and selecting General Agents.
• Must have knowledge of the services that California General Agents provide and be able to utilize General Agents to the maximum capacity.
• Must understand R.A.F. (Risk Adjustment Factor) and the components to how rates are created, maintained and delivered on new business and renewals.
• Outstanding interpersonal and communications skills are required to maintain effective relationships with clients, co-workers, carriers, vendors and others.
• Advanced skills in Microsoft Office (primarily Excel, PowerPoint and Word).
• Must be computer literate with the ability to learn new software applications, such as online benefit enrollment programs and carrier enrollment sites.
• Ability to work independently with limited daily supervision and to work effectively in a team environment.
• Must have a valid driver’s license, the ability to travel to client sites and a reliable source of transportation.

WHY CHOOSE RELATION?

• Competitive pay.
• A safe and healthy work environment provided by our robust benefit program including family health and wellness programs, 401K, employee assistance programs, paid time off, paid holidays and more.
• Career advancement and development opportunities.

Relation Insurance Inc. provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws. This applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training.

The wage range for this role takes into account the wide range of factors that are considered in making compensation decisions including but not limited to skill sets; experience and training; licensure and certifications; and other business and organizational needs. The disclosed range estimate has not been adjusted for the applicable geographic differential associated with the location at which the position may be filled. At Relation, it is not typical for an individual to be hired at or near the top of the range for their role and compensation decisions are dependent on the facts and circumstances of each case. A reasonable estimate of the current range is presented within this posting. You may also be eligible to participate in a discretionary annual incentive program, subject to the rules governing the program, whereby an award, if any, depends on various factors, including, without limitation, individual and organizational performance.

$97,000.00 - $190,000.00

Relation Insurance Services is a North American insurance brokerage that offers business insurance, Employee Benefits, Personal Insurance, Retirement Services, and Risk-management through our family of brands across the United States. More importantly, we’re a team of experienced professionals who genuinely care. Whether it’s for you, your family, or your business/organization, we want to be the relationship you trust for answers to your questions, solutions for your insurance needs, and peace of mind for your future.