At HEG, we are committed
to meeting your needs first - not ours. Our responsive personnel
offer customized support that is always focused on you - the customer.
HEG is a local company, with a local call center, backed by the
systems and actuarial sophistication usually reserved for large
insurance companies. We are committed to being the best choice in
the area for your business. Here is what that means to us:
1. Benefit plans don't
have to be expensive. Most insurers charge an obscene amount of
overhead. In addition, they add on extra costs as a "margin
of safety" to make up for their lack of specific knowledge
about your business and your employees. In this way, you are held
accountable for your insurer's mistakes.
- We have the best-value,
most cost-effective estimates. At HEG, we always charge a
lower overhead rate than our competitors. Also, we have the specific
knowledge necessary to make the most accurate cost estimates in
the industry. And, if we ever do make a mistake, we don't hold
our valued customers accountable through systematic overcharging.
We design plans at a cost you choose to pay.
2. Many insurers (and
administrators) hold their knowledge and data secret, asking you
to "trust them" to control your benefit plans.
- We don't keep secrets.
It is our responsibility to share our knowledge with you, so that
you can be a part of all decision-making. There should be no surprises
at the end of the plan year, no rush to change plan design, no
unanticipated cost changes.
3. It is the responsibility
of the insurer to keep its customers up to date on their plan management.
- We do this - and
do it better than anyone else. Because we understand that
your best interest is served through open communication and consistently
effective process management, we provide the most extensive and
frequent management reports in the industry. We are always available
to answer questions, and further analyze the processes that are
affecting you and your employees.
4. The best relationships
are built on trust.
- We will earn your
trust, and then work hard to keep it. By sharing our data
and other knowledge with you, you have the opportunity to judge
our services for yourself. With the information we provide, our
processes become open books, including how we handle your plan
design and administration. We feel comfortable doing this when
many other companies do not - because we have nothing to hide.
We are confident in our accuracy, service record and accountability.
5. Often, in the planning
of benefit programs, the real effects of the plans are lost in numbers
- The bottom line
is: Benefit plans benefit people. We understand that you may
be building benefit plans for a variety of reasons. However, all
of those reasons center on a need to serve your employees in an
effective way - not just a cost-effective way. We always
plan for cost-effectiveness. But our focus is on the fact that
our plans affect the lives of real people, and our decisions are