H.A. Insurance Services, Inc. is a division of Hewitt in Puerto Rico established as a brokerage company to provide services to our clients in the areas of medical, dental, pharmacy, vision, life, disability, SINOT and supplemental insurances.

Unique in our approach—which is mapped to our Health Management consulting process—Our brokerage team assists our clients to align their vendors, their plan design and their delivery process to their local Puerto Rico business strategy.

Our brokerage team is extremely experienced and knowledgeable about the Puerto Rico market. All members of our team are licensed brokers with expertise in underwriting, financing, designing and communicating plans with a vast experience in Puerto Rico’s employee benefits.

The services we provide include:

• Analysis and negotiation of benefit program design – either in their entirety or as "carve outs", including medical, pharmacy, vision, dental, life, disability (long and short term), AD &D, SINOT and supplemental insurances
• Vendor selection processes for all above benefits including negotiation of pricing, financing of plans, whether insured or self-insured, and utilization of any international pooling arrangements.
• Establishment of performance standards and metrics for vendors in terms of plan performance and customer service requirements
• Information on market trends
• Annual planning to determine strategy based on health care inflation and business objectives for the Plan Year
• Support through case management for major medical issues
• Trouble shooting any issues that arise between our client and their vendors

Our Service Delivery Model

• Analytics
  • Monitoring of Utilization Patterns/Evaluation of monthly claims to identify red flags
  • Monthly/Quarterly Meetings to discuss utilization reports and recommendations with HR Team and vendors
  • Develop communication strategies to create employee awareness of rising costs and promote wise use of healthcare benefits
• Service and Quality Issues Management
  • HR Advocacy—In the Set-up and implementation process, assistance with account structure and billing procedures and issues
  • Coordination of ERISA Form 5500 for health and welfare plans
• Participant Advocacy
  • Provide assistance directly to employees in the resolution: Provider Issues, Medical Issues, I.D. Cards Issuance, Claims Issues, and Pre-authorization Inquiries
• Other Core Services
  • Support in Wellness Programs
  • Coordination of on-site Health Fairs
  • Market Research
  • Request for Proposal (carrier selection and proposal analysis)
  • Contract Review
  • Disease Management
  • Annual Enrollment Communication
  • Compliance Notices
  • Supplemental Policies (Cancer, LTC, Life, AD&D, IRAs)