Proactive Service Approach

365-Day Client Care

At CCIG, our 365-day service model provides continuous, proactive support year-round. We can keep a traditional quarterly review approach or create a plan specifically catered your business needs and timelines. Either way, our promise is to stay consistently engaged, monitoring evolving needs, addressing emerging risks, and optimizing your insurance program in real-time.

NEW CLIENT SET UP

Anytime during the plan year of the client—part of onboarding.

New Client Onboarding
Carrier Appointment
Plan Document Review
Compliance Audit

POST-RENEWAL

0-3 months after the plan renewal effective date.

Service & Compliance Calendar
Year-End Financial & Utilization Review
Benefit Plan Summary & Milestones
Plan Document Review

PRE-RENEWAL

6-9 months before the plan renewal effective date.

Utilization & Benchmark Review
Strategy Recommendations
Compliance Updates
Renewal Projections & Timeline

RENEWAL

3-6 months before the plan renewal effective date.

Carrier Renewal & Marketing Results
Premium & Contribution Modeling
Affordability Analysis
Client & Carrier Renewal Confirmations

OPEN ENROLLEMENT

3-6 months before the plan renewal effective date.

Communication Strategy
Benefit Guides/Presentations
Important Notices
Technology Set Up

Your Benefits, Continuously Optimized

The "Continuous Optimization" loop embodies our philosophy of year-round enhancement of programs for cost, value, flexibility, and quality. This commitment ensures client satisfaction, promotes appropriate utilization, and fosters employee education.

Navigating Compliance with Confidence

At CCIG, we understand the complexities of employee benefits compliance. Our dedicated team stays ahead of evolving regulations to ensure your programs meet legal standards and industry best practices. We provide comprehensive support and guidance, helping you navigate compliance challenges with confidence, so you can focus on what matters most—your employees and your business success.

YOUR HUB FOR COMPLIANCE INSIGHTS

Compliance Dashboard

Essential Compliance Resources

Notices & Disclosures Checklist

Compliance Newsletter

ERISA Documentation

State Disability Guide

YOUR EXPERT IN COMPLIANCE SOLUTIONS

Regan Debban, JD

Senior Compliance Consultant

Regan Debban, a Principal at Benefit Comply, LLC, has more than 10 years’ experience in employee benefits as both an attorney and an advisor. She provides guidance related to regulatory compliance matters to employers and insurance industry professionals. Regan’s work has included helping employers navigate and find practical solutions to complicated Affordable Care Act requirements, in addition to assisting with other employee benefit compliance issues arising under ERISA, COBRA, Section 125, and HIPAA. She has been a featured speaker at events nationwide and has been a principal presenter in compliance webinars attended by thousands of employers and insurance professionals. Prior to joining Benefit Comply, Regan worked as in-house counsel assisting in HR, benefits, and data security compliance, including for a major Fortune 500 company. She also worked as a legal researcher for Thomson Reuters, for a PEO providing benefits and HR services to small employers, and as an employee benefits consultant before entering law school. Regan received her law degree from William Mitchell College of Law and her MBA from The University of St. Thomas.

CCIG Performance Guarantee

At CCIG, we are committed to providing our clients with comprehensive and transparent updates through our annual Stewardship Reports. These reports offer crucial insights into the current state of your insurance program and the broader insurance market, helping you stay informed and make strategic decisions with confidence. By detailing the services we provide to manage your benefits program, our Stewardship Reports clearly outline how your insurance needs are being optimized. This annual communication reflects our dedication to proactive service and ensures you have a thorough understanding of your program's performance and evolution.

Stewardship Report Sample Pages

Explore Sample Stewardship Report

Case Study

Curious Enough To Care: Solving High Claims Costs

INDUSTRY: Construction, Infrastructure, & Excavation

EMPLOYEES: 250

THE CHALLENGE

A Denver-Area company with 180 enrolled employees struggled with two cases of End Stage Renal Disease (ESRD). Therefore, dialysis was an ongoing issue and brought very high claim costs of $500,000 annually. Their Carrier Controlled plan left them exposed to high costs and poor flexibility to minimize future risks.

THE SOLUTION

CCIG educated the client on a different path. We aligned the client with the right carrier partners, cost containment strategies and were able to negotiate stronger pricing for dialysis through a “carve-out” amending the Plan Document language.A Denver-Area company with 180 enrolled employees struggled with two cases of End Stage Renal Disease (ESRD). Therefore, dialysis was an ongoing issue and brought very high claim costs of $500,000 annually. Their Carrier Controlled plan left them exposed to high costs and poor flexibility to minimize future risks. CCIG educated the client on a different path. We aligned the client with the right carrier partners, cost containment strategies and were able to negotiate stronger pricing for dialysis through a “carve-out” amending the Plan Document language. The client has realized cost reductions over $250,000 for the pricing of each dialysis treatment, saving $580,000+ in the first year.