|
|
 Areté Services
Areté is unique and exceptional provider of employee benefit insurance brokerage and consulting services. Our ultimate goal is to become a member of your family of service providers and to exceed your expectations.
Areté is both different - and better - than other brokerage and consulting firms.
What makes Areté different and better? Our culture, our expertise, our resources, our tools, and most importantly the passionate people who make up Areté - that produce the results you demand.
Arete's employees are the best in the business;
Seasoned experts that ensure the strategic solutions proposed are practical and will actually deliver promised results. Our talented professionals have joined Areté after frustrations with both smaller and larger brokerage and consulting firms.
- Regional and small brokerage firms that are primarily focused on Property & Casualty (P&C) business. Typically these firms lack the expertise, knowledge, tools and resources to effectively manage their clients healthcare costs. Often these companies that provide little more than the delivery of the insurance carrier renewal increase and help with the occasional employee claim issue.
- Large bureaucratic firms that stifle employee creativity, apply cookie cutter approaches and focus solely on themselves and their profitability - typically pushing work down to most junior and inexperience associates. Organizations that are more focused on their shareholder value than meeting the needs of their clients or employees.
Areté has industry leading tools and resources; - State-of-the-art health care data analytic tools, MedTrak and Predictive Modeling tools to thoroughly analyze healthcare claims and predict future costs
- Sophisticated tools in healthcare and prescription drug cost management, provider quality, disease and demand management, wellness, etc.
- Communication, enrollment and administrative tools – written, telephonic and web based
- Extensive legislative and compliance resources
- Integrated HR consulting services designed to unlock the full potential of your HR department
Arete's work environment fosters employees that are happier, more productive, more creative and more engaged than those of our competitors. It’s no surprise that Areté employees work harder to help their clients enjoy a healthier bottom line.
Employee Benefits
 Areté is a full service brokerage and consulting firm. Areté helps organizations with their overall employee benefits strategy, as well as with the individual areas of design, funding, administration, communication, compliance and most importantly healthcare cost-containment.
Working with you, we listen to your concerns, lay out the challenge, define the requirements to meet that challenge, and analyze your current plan provisions and issues. We then develop a strategy that closes the gap between what you have and what you need, taking into account the anticipated impact of any change. Finally, we work with you to develop and successfully implementation options.
Retirement
We know that our clients have the same need for competitive benefit programs as Fortune 500 organizations, but often operate with more limited resources. We understand the unique challenges you face and recognize your needs. Arete's retirement consultants assist plan sponsors with every aspect of their retirement programs, allowing management to focus on what they do best…running their business.
Areté's Retirement consultants offer an objective approach and deliver clear, concise, and practical solutions. Our services include:
Actuarial consulting services
Consulting, plan design, valuation and compliance for defined benefit plans, post-employment benefit plans, supplemental executive retirement plans and health and welfare plans
Defined contribution plan services
Consulting, plan design, record keeping, administration and compliance, and employee education services for all types of defined contribution plans including 401(k), 403(b), 457 and profit sharing plans
Employee stock ownership plan services
Consulting, design, administration and education services for employee stock ownership plans
Global Benefit Solutions
Employee benefit packages in different countries depend on many factors such as: customary practice; taxes; the demands and expectations of employees/trade unions; the local social security system and overall cost. The services Areté provides based on local factors, customs and expectations, typically include, but are not limited to:
- Full analysis and design of pension and risk benefit plans (life, disability, accidental and medical insurance)
- Advice on the funding methods of these plans and the fiscal consequences
- Placing the plans in the market and negotiations with insurers
- Actuarial services
- Assistance with effective communication towards employees
- Multinational pooling and Captives services
- Expatriate and Third Country Nationals solutions
- Claims handling (when local market practice determines)
Auditing Services
Areté understands the critical need for cost containment analysis of health benefits for the self-insured employer. We offer fully-integrated benefits expense analysis and financial reporting solutions specifically designed to reduce cost, manage expense risks, and to help our clients comply with Sarbanes-Oxley requirements. Auditing services include:
Our proven technology of sophisticated auditing solutions, paired with our cutting-edge data mining, provide immediate savings to many of America's leading employer and Taft-Hartley groups. Areté helps these organizations reduce their costs and risks of erroneous paying medical and pharmacy claims through auditing and data management services. When discrepancies are found we will aggressively negotiate with the administrator, vendor or provider to recoup any over-payments on your behalf.
Financial Services
Areté has many services available to high net worth individuals. Most clients begin with a detailed financial plan and evolve to more specific areas of finance. These may include researching different types of investments to fit with your personal or business situation, retirement plans, tax and estate plans, and cash management.
Planning is a process, not a product. Working together, we’ll develop a plan that fits your goals and integrates all aspects of your financial life.Individual Health Insurance
Areté Parters is a licensed health insurance agency and is a leading online source for health insurance, dental insurance, disability insurance, long term care insurance, short-term health plans and health savings accounts (HSA's) for individuals, families, students and the self employed.
We will help you find, compare and buy the plan the is right for you. If you have a question or need personal assistance, you can contact one of our licensed agents for the answers and unbiased advice you need to make the most of your insurance dollars.
Risk (Insurance) Services
Areté offers access to a full range of commercial insurance policies from a large selection of insurance providers. We'll help you make informed decisions. We'll show you policies that offer competitive pricing — plans that will require less effort to administer while intelligently managing the risks to your business.
Regardless of how complex your insurance needs are, we have the answer. Areté can plan, place and service all types of insurance programs, with special emphasis on manufacturers, distributors, high tech firms, financial institutions, mining facilities, and food industries.
|
|