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ZAPOZNIK INSURANCE & ASSOCIATES, INC.N S U R A N C B R 0 K E R A G S E R V I C E S R F P N O S M- 2 0 1 1- 0 8- H R PRESENTED BY FIRM NAME: Sopoznik Insurance & Associates, Inc. ADDRESS: 1 100 NE 1631d Street, NMB, FL 33162 PHONE: 1.877.948.8887 EMAIL: Gracyw(p7sa aoznik.com., Adawla7sapoznik.com CONTACT: Gracy Weberman, Vice President and Ada Waters, Benefits Consultant DATE: July 1, 2011 i LETTEROF INTEREST ............................................................................................................ ..............................3 RESUMESOF PROPOSERS ................................................................................................. ..............................5 QUALIFICATIONS AND EXPERIENCE ( RESPONSES) ...................................................... ..............................9 CERTIFICATION & NON - CONCLUSION AFFIDAVIT ................................................... .............................40 OTHERFORMS ................................................................................................................... .............................43 SWORNSTATEMENT ........................................................................................................ .............................50 COSTPROPOSAL .............................................................................................................. .............................52 ADDITIONAL INFORMATION: LICENSES ....................................................................... .............................55 RENEWAL TIMELINE ..................................................................................... ............................... APPENDIX A TECHNOLOGY & REPORTING .................................................................... ............................... APPENDIX B COMMUNICATION CAPABILITIES ............................................................. ............................... APPENDIX C ENROLLMENTSUPPORT .............................................................................. ............................... APPENDIX D WELLNESS PROGRAMMING ...................................................................... ............................... APPENDIX E LEGISLATIVE AND COMPLIANCE ......................................... ............................... .......................APPENDIX F 2 Imuranee Rrokerage Services RFP NO, SM- 2011 -08 HR SECTION C l� TO: CITY OF SOUTH MIAMI COUNSEL DATE: JULY 1, 2011 RE: INSURANCE BROKERAGE SERVICES RFP NO. SM- 2011 -08 -HR Dear Distinguished City Counsel Members, Thank you for offering Sapoznik Insurance the opportunity to participate in your 2011 Insurance Brokerage Services RFP reply process. Enclosed, along with our response, please find a variety of informative highlights about our agency. We have prepared the following information to help illustrate our understanding of the City of South Miami's requirements and employee benefits needs as well as our knowledge of our local marketplace. We will describe the processes, analytical tools and benchmarks used to evaluate carriers, plan designs, contribution alternatives and potential costs to the City. As the Agent of Record of the City of South Miami, our agency will be committed to providing unparalleled benefits, services, and administration for the City, while also providing added benefits to all City employees. Sections within our response will outline the size of our Agency, our experience and related history as well as our ability to manage a 3 -5 year benefits planning horizon and serve as an extension to your Human Resources Department. We look forward to a establishing a strong long -term working relationship with the City of South Miami to deliver proven Sapoznik Employee Benefit Solutions. Thank you once again, Rachel Sapoznik President & CEO PHONE: 1.877.948.8887 EMAIL: rachels&sapozn'kxom Gracy Weberman Ada Waters Vice President Benefits Consultant PHONE: 1...877.948.8887 PHONE: 1.877.948.8887 EMAIL: aracyw(@sapoznik.com adaw @sapoznik.com 4 Insu:un�u Brokr �aqe Services RFr NO, SM -201 1 -08 -HR A RACHEL A. SAPOZNIK, PRESIDENT & CEO SAPOZNIK INSURANCE & ASSOCIATES, INC. Rachel Sapoznik is the founder, President and Chief Executive Officer of Sapoznik Insurance & Associates, Inc. Based in North Miami Beach, Florida, Sapoznik Insurance & Associates, Inc. is an Employee Benefits Solutions Agency that, to date, has generated over $125,000,000 in company revenues. Serving as South Florida's leading woman Healthcare Reform expert, Rachel Sapoznik has lent her experience navigating the waters of the healthcare system negotiating the .best possible wellness plans for her agency's clients. She has championed the cause of personal responsibility in health and wellness as the main struggle facing healthcare providers and insurers alike, and has advocated health maintenance as the key to transforming the healthcare system. A true visionary, Rachel has built the roadmap to navigate today's healthcare challenges and provide solutions for tomorrow. Despite being one of the youngest leading women business- owners in Florida, Rachel Sapoznik has surpassed the achievements of her competitors, having been awarded over 100 accolades and honors, speaking to her professional and philanthropic accomplishments alike. Rachel Sapoznik's contributions to the business landscape of South Florida have not gone unnoticed. Elected Business Leader Magazine's "Woman Extraordinaire" both in 2008 and 2010 and featured in countless editorials, Rachel has become the face of the changing climate of Healthcare. In 2009 alone, Rachel Sapoznik was elected the "Ultimate CEO of the Year" by the South Florida Business Journal, as well as being recognized as the President & CEO of one of the "Top 100 Minority Businesses" by the Chamber of Commerce. Additionally, Sapoznik Insurance & Associates, Inc. has been recognized by the South Florida Business Journal among the largest Insurance Agencies in South Florida, as well as the 10'h largest Woman -owned Business in South Florida. Together with her team of over 55 employees, Rachel Sapoznik has generated more than $209,000,000 in gross Premium Revenue in 2009, and saved hundreds of clients millions of dollars by applying her business expertise to matching her clients with the benefit plans that are right for them. Recently, Rachel announced plans to revamp the way her agency facilitates wellness by sponsoring programs, fairs and initiatives to promote healthier living for clients and their employees. Under Rachel Sapoznik's visionary direction, Sapoznik .Insurance & Associates has helped clients develop an atmosphere that promotes health and wellness and places an emphasis on personal responsibility for one's health. Surpassing practices of conventional insurance agencies to help clients get well before they get a chance to fall ill, is what distinguishes Sapoznik Insurance & Associates, Inc. from other agencies. Facilitating a paradigm shift from provider - responsible to patient- responsible wellness is Rachel Sapoznik's commitment to her clients, her community and her country. Rachel Sapoznik's commitment to providing health .solutions to clients and educating the public about wellness is met by her commitment to service her community. One of the leading female philanthropists in South Florida, Rachel Sapoznik has donated both physically and financially to an extensive number of charitable causes, and has encouraged others to do the same. Rachel Sapoznik continues to be a patron of various charitable causes spanning across education, arts, and religion. Rachel's passion toward Jewish education is unparalleled. In addition to actively serving on the Board of Directors and Panels of the Michael -Ann Russell Jewish Community Council, and the Executive Board of Governors for Hillel Community Day School, Rachel has raised over $650,000 and established a scholarship fund benefitting public school students who wish to participate in The March of the Living - an international educational program bringing teens from around the world together to learn about and pay tribute to the millions lost during the Holocaust. In thirty years of dealing with leadership issues and education, Rachel Sapoznik has always emphasized the importance of innovative and flexible leadership that is adept at adjusting to changing times, technology and legislation. Her ability to take calculated risks and alter her industry while educating the public on the importance of health and wellness, qualifies Rachel Sapoznik as both a leader in the Healthcare industry and the global community. Insurance tlrok ma�gie Sot tvicos RFP NO, SM -201 :I �08 HR «� a GRACY WEBERMAN, EXECUTIVE VICE PRESIDENT SAPOZNIK INSURANCE & ASSOCIATES, INC. Gracy Weberman currently serves as the Executive Vice President of Sapoznik Insurance, a North Miami Beach based Insurance Agency specializing in brokerage and support services for group and individual employee benefit products. Having been with the company since its foundation in 1987, Gracy has applied her over 24 years in employee benefits management, including benefit performance measurement, strategic planning, and expert negotiations to overseeing all aspects of benefit implementation for a large cross section of diverse accounts. Gracy's expansive client base includes private companies, public companies, government, nonprofits, medical facilities and educational institutions. Along with a team of over 55 professional in -house staff, Gracy oversees the main aspects of providing unparalleled support for her accounts, including coordinating the active quoting, monitoring, implementation and renewal services across all benefit plans. Starting as an account manager with Sapoznik Insurance in 1987, Gracy has built an unparalleled understanding of best practices in benefits management which is reflected in her successful cost - controlling consultative approach towards all her clients and accounts. As one of the highest volume producers in the Florida Employee Benefits Industry, Gracy has transferred her expertise and negotiation capabilities towards creating services that are both affordable and accessible to all types of organizations, and which seek to maximize benefit structures for cost efficiency. A key aspect of Gracy's hands -on approach with clients includes opening up a year -round rapport with 's senior level staff to gauge satisfaction, monitor plans, and plan for renewals. Through engaging and interacting with clients, carriers, and third party administrators, Gracy has achieved a truly service - oriented approach to managing her client's accounts that translates to long -term cost stability. Along with Sapoznik Insurance, Gracy is also involved with several charitable and community causes including YMCA, YWCA, Nat Moore Foundation, The Greater Miami Jewish Federation, United Healthcare Children's Foundation, Hospice of Palm Beach County, Hebrew Homes Foundation and many other charitable groups. nw ante Brokerage Servkes R1 NO. RM -201 1-08 I-IR ADA WATERS, BENEFITS CONSULTANT SAPOZNIK INSURANCE R ASSOCIATES, INC. Ada Waters brings 12 years of experience in the financial services industry to Sapoznik Insurance. A graduate of the University of Florida, she began her career with Prudential Insurance serving the needs of small to mid -sized business owners in all aspects of financial planning. Having been previously Series 6, Series 7, Series 63 and Series 65 licensed allowed her to develop exceptional analytical skills. In addition, the foundation of a comprehensive planning approach is her baseline of any client interaction today. Her deliberate focus on first assessing each client's individual circumstances, and then working alongside them to provide an action plan tailored to their specific goals ensures that each one receives well- rounded and highly customized benefit solutions. Immediately prior to joining Sapoznik Insurance she was a highly technical wholesaler of insurance and annuity products with regional and national brokerage firms. Her tenacity and drive is what led her to take her sales team to the number one slot in the US at Crump Insurance Services after having been there for only three months. Today, having had experience at the carrier level as well as having been an advisor to other advisors she has a wealth of experience to draw upon when customizing employee benefit packages. She is well versed in all aspects of negotiating, implementing and overseeing the servicing aspects of clients with up to 1200 employees. Her motto is very simple and is one that she shares with anyone who becomes a part of the Sapoznik team, "my goal is to over - exceed your expectations 100% of the time ". Although lofty, this mindset is what motivates her to deliver an uncompromising level of service to each and every single one of her clients. Inw once, Rrok oge.Seivicec NJ' NO. SM -X111 08 HR SECTI • 1 A N D E X P E R I E N C E PROPOSERS QUALIFICATION STATEMENT PROPOSER shall furnish the following information. Failure to comply with this requirement will render the Bid non - responsive and shall cause its rejection. Additional sheets shall be attached by the Proposer as required. PROPOSER'S Name and Principal Address: Sapoznik Insurance & Associates, Inc. 1 100 NE 16rd Street, North Miami Beach, FL 33162 CONTACT PERSON(S) Name and Title: Gracy Weberman, Vice President Ada Waters, Benefits Consultant PROPOSER'S Telephone and Fax Number: PHONE: 1.877.9A8.8887 FAX: 305. 949.1000 PROPOSER'S License Number: L056952 PROPOSER's Federal Identification Number: 65- 0086146 (please see certificate of competency, state registration, and applicable licenses in entitled section "ADDITIONAL INFORMATION: LICENSES, page 67) 10 . Insurance. Ere. keroge Set vic'e� RFP NO, SM -2071 1.083 IR t, ><.0 ,..... OUALIFICATION RESPONSES 1. Number of years your organization has been in business, in this type of work: Sapoznik Insurance was founded in 1987 by President & CEO Rachel Sapoznik, and is one of the largest independently owned benefit agencies in the state of Florida. In the past 24 years, Sapoznik Insurance has set the industry standard by concentrating exclusively in Employee Benefit Solutions and partnering with insurance carriers to offer a full range of benefit products, at the most competitive rates in the marketplace. Our full service agency is headquartered at our North Miami Beach offices and is centrally located within the heart of our South Florida community. Over the past 20 years Sapoznik Insurance has grown into a full - service agency, complete with customer service, quoting, claims and wellness departments staffed with 55 experienced insurance and human resources professionals. For over two decades we have built lasting relationships with a diverse cross - section of accounts ranging from global corporations to large municipal groups like the City of South Miami. Our experienced service - oriented agency has consistently set the industry standard in Employee Benefit Solutions, having ranked consistently as a Top 10 Agency and Product Producer across Florida. 2. Names and titles of all officers, partners or individuals doing business under trade name: PRINCIPLE OFFICERS: Rachel Sapoznik, President & CEO Gracy Weberman, Vice President 3. Describe your experience and services related to health management. This would include health risk assessments, wellness, health coaching, disease management, etc. OUR APPROACH Sapoznik Insurance's philosophy of health management to deliver a comprehensive benefits package is based upon three basic principles and our overall approach; insurance, education and wellness. In addition to aggressively negotiating on our client's behalf for the most cost effective insurance solutions while providing an uncompromising level of service, just as importantly we also incorporate educational and wellness components into any interaction with our clients and their employees. Ft `dl` EDUCATION 4 a g zk +, Inwu (mce Brokero,;e Soe'vices FFP NAY, SAt -20I 1 08 -HP S (�C .�t There is no substitute for experience. For over two decades, Sapoznik Insurance has not only taken note of the changes and trends in the healthcare industry, but more significantly we have been innovative enough to evolve our role as an agency and meet the ever changing needs of our clients. To this end, Sapoznik Insurance has been implementing health and wellness initiatives for over twelve years because we know that there are two major variables that can be adjusted to reduce the overall costs of health insurance. The first and what we aim to avoid at all costs, is to increase the out of pocket expenses of employees throughout the year, such as increasing deductibles and or co- insurance. The second and most desirable variable is to decrease overall claims utilization. We understand the relationship between employees neglecting their personal health and a group's claims experience. Our goal is to create awareness through education alongside health and wellness initiatives to shift employee behavior towards healthier lifestyles. This will result in early detection of easily preventable health conditions well before an employee is in need of services and procedures when it is most dire — and most costly, thus avoiding "shock" claims altogether that ultimately lead to rate increases. ON -STAFF HEALTH & WELLNESS SUPPORT Prevention and education while striving towards a healthier population is a core part of our full - service comprehensive benefits philosophy. We have a team of 3 in -house wellness specialists dedicated to supporting all the preventative health and wellness needs of our clients and their employees. Our specialists can be reached either by phone or email, and are available to conduct on -site focused disease management seminars, health fairs, lunch and learn sessions and preventative consultations. INITIATING A COMPREHENSIVE WELLNESS PROGRAM Sapoznik Insurance is committed to helping you implement workplace wellness initiatives that will not only reduce health care costs but also increase employee productivity and satisfaction. The wellness highlight for The City of South Miami employees will be the annual health fair that we will coordinate and host for you on your premises with a target date of April 2012. Coupled with a Health Risk Assessment platform, utilized to capture quantifiable data, this will bring to light specific health areas that can be addressed via disease management programs, educational campaigns and or incentive programs. Key findings may include for example a high concentration of obesity, hypertension and or diabetes. The annual health fair serves a dual purpose in that this may be the only time an employee may engage in preventative healthcare measures. The convenience of employees not having to take time off from work to do simple biometric screenings facilitates a way for them to know what medical conditions they may be at risk for. Secondly hosting the annual health fair six months after The City of South Miami's open enrollment period allows Sapoznik Insurance another structured opportunity to be in front of all employees to provide and reinforce educational elements for example proper plan utilization. The return on our educational and wellness efforts can be seen through lowered health insurance renewal premiums, reduced absenteeism, increased Presenteeism, less worker's comp, and increased employee morale. 12 Insuicm t� Brokcr ye Sc .,rvicrs RFP N(_), SM -201 1-08-FIR tN, WELLNESS PROGRAM IMPLEMENTATION We work will with your team to implement a comprehensive wellness program that can include education and incentives to encourage and motivate employees to participate in exercise, improve nutrition, seek preventative care and take a proactive approach to their health. As a Sapoznik Insurance client your employees and staff will have full access to our wellness professionals, and benefit from an ongoing rapport about employee health and reducing costs. As part of our value proposition, at no additional costs, Sapoznik Insurance will provide the annual health fair and all wellness communications. Delivery of campaign may be via payroll stuffers, posters, employee newsletters and educational flyers on health and wellness topics, designed to shift behaviors towards healthier lifestyles. Features of the Sapoznik Wellness program include: • Annual Health Fair • Lunch & Learn Sessions • Preventative Care Flyers • Monthly Wellness Newsletters • Internal Wellness Communications Materials DISEASE MANAGEMENT, MONITORING AND INCENTIVIZING WELLNESS Our agency recognizes the importance of motivating employees to participate in wellness, and incentives are built into our comprehensive wellness services. Upon conducting the internal health audit we will identify health behaviors across the employee population and then work together with you to calculate meaningful incentives to improve upon poor employee health. We currently utilize three strategies that have revolutionized the ways employees look at wellness. Each employer is unique, so our wellness efforts will be tailored to fit the specific needs of The City of South Miami. Below are some of the strategies we have implemented for our clients towards creating a healthier, happier workplace. Deductible Strategy: we are able to work with your staff to set appropriate deductible levels and allow employees to lower their deductibles for participating in certain health awareness, wellness, fitness and nutritional activities. Each wellness activity will allow an employee to incrementally lower their deductible, while the deductible is reinsured by a third party to prevent loss. Though this measure can be extreme, it incentivizes employees to put 'skin in the game' to prevent out of pocket expense. 2. Premium Strategy: we work with employers to and create a strategy to credit employees through lower payroll deductions for participating in wellness activities. Employers can choose their rewards and incentivize employees with the simplicity of lower per - paycheck deductions. 3. Prizes, Gift Cards and Cash: we have created a turn -key program, our Ship -Shape Dollars Program, to deliver tangible rewards to further incentivize employees for participating in wellness activities. We will work with your staff to set attainable goals for which employees can earn Ship -Shape Dollars towards prizes, gift cards and cash and drive participation. 13 nsut(mce. Earokerago Services RH' NO, SM- 2011 -08 -NR 4. Describe an example of a City for whom you have coordinated or provided these services. IMPROVING EMPLOYEE BENEFITS FOR OTHER MUNICIPALITIES Throughout our 24 years of experience in implementing cost - effective employee benefit solutions, Rachel Sapoznik with Sapoznik Insurance has successfully stabilized costs and implemented countless value -added benefits for a wide array of municipalities and government entities. Our understanding of every facet of the benefits process has enabled Sapoznik Insurance to provide coverage to all client municipal employees and their dependents, and administer all benefit activities and claims issues for these accounts. Among our many commitments to providing coverage for our municipal clients is our active annual negotiations of premium rates across all carriers and products, ensuring that your municipality receives the most competitive rate in the industry. Sapoznik Insurance has implemented full- service benefit plans across all lines of coverage for a variety of municipalities, successfully handling all their needs from negotiations and enrollments, to claims and wellness activities. We have successfully worked with municipalities to reduce costs, control claims, and implement wellness programs. In particular, we have improved programs for: • City of North Miami Beach • City of North Miami • City of Miami Springs • Town of Davie • Town of Golden Beach e Miami Shores Village 5. Have you ever failed to complete work awarded to you. If so, when, where, and why? In 24 years of providing top -tier benefits and unparalleled customer service, Sapoznik Insurance has never failed to complete work as set forth by a client. 6. How will you maintain confidentiality of the City's records and data (include in your discussion any security procedures for accessing, sending, and storing data that are currently in place)? OUR SECURE PLATFORM Sapoznik Insurance understands the need to communicate rapidly to secure medical care is administered in a timely fashion, and ensure that employees are comfortable with their benefits. For this reason, we have implemented the most cutting edge technology brokerage platform in the industry, to give our clients an unparalleled level of service. Our platform is completely secure and complies with all HIPAA regulations to ensure that we can communicate back and forth with the City of South Miami while maintaining tight security and privacy for all employees and files. Below is an outline of the three mainframe programs we use to actively store data and communicate with clients all while maintaining confidentiality in accordance with privacy laws and regulations. ZYWAVE® Our mainframe system houses our entire technology platform, which includes a variety of software to manage benefits, record claims, house data, make renewal decisions and communicate benefits. All Sapoznik Insurance employees have access to this platform, which helps each employee cater to the diverse needs of your group. Zywave houses several of our other staple data management, analytic and communication platforms including: 14 Insm um<e. Bioke:cage Se; vices RFF NO. SM- 2011 -08+Ik BROKERAGE BUILDER® This program manages account information, from contacts to employee names, and allows our service team to communicate with your Human Resources department and, when permitted, your employees. Through Brokerage Builder we can track customer service issues & claims, monitor resolution details, and manage billing and other support services. BROKERAGE BRIEFCASE® This program contains the vast majority of our employee communications and research data, where we can create custom pieces for your employees, from announcements to benefit education, to health & wellness and legislative updates. Through Brokerage Builder we have access to thousands of communication media documents and tools, from newsletter, emails, flyers, posters and presentations to full service wellness & benefits campaigns. 7. Discuss your service approach and how you respond to City requests. Include what you consider non - urgent /routine requests and urgent requests. VIP Customer Service Model Sapoznik Insurance's VIP customer service will be made available directly to each and every City employee. Our customer service model is designed to ensure that every employee will receive the highest level of service whenever contacting our staff members at all levels of within our organization. Our team will gladly assist with all benefit related issues and will serve as the liaison between the City of South Miami, its employees and all respective carriers. To that end, we have adopted the following company policies that if selected as your agency would be applicable immediately to City employees: • Dedicated Account Managers assigned for benefit administration service requests. • Dedicated Claims Manager assigned for any claims adjudication /dispute requests. • Health and Wellness representative assigned for year -round campaigns and programs. • We do not have voicemail. All calls will be answered by a live member of our Account Management /Claims and or Health & Wellness teams. • It is a Sapoznik Insurance company policy that requests received via email must be acknowledged with 30 minutes of receipt. • Multi - Lingual. Staff: Spanish, French & Creole Our service resolution goal is to comply within 24 hours for any benefit administration requests considered non - urgent /routine. Examples of non - urgent /routine service requests may include but are not limited to the following: • Implementation and Eligibility • Employee Education & Communication • Enrollment Assistance • Uploading hire /new hire data on all carrier web sites • Proof of coverage request / Temporary ID cards requests • Verification of Enrollment Materials • Billing Resolution 15 Insurance R3 o` eo- uge Servlces RFP NO, SM......201 1 -08 -HR We are also sensitive to the fact that when an employee reaches out to our office, more often than not it is during times when they are vulnerable and in need of medical care. During these critical moments, it is company policy that our staff responds to such circumstances with the utmost sense of urgency. Examples of service requests considered urgent, may include but are not limited to the following: • Any call while an employee is attempting to obtain medical care at a provider • Proof of coverage / Temporary ID cards request • Verification of coverage requests • Prescription medication verification requests • Claims adjudication requests that have reached debt collection status • Billing requests for impending termination of coverage In light of current economic conditions, organizations are having to endure even more budget limitations and are left with no other choice but to exercise further constraint. Direct advocacy by our team on behalf of employees results in: • Rapid Billing and claims resolution • Reduced burden on HR /personnel department resources • Reduction of 'on- the - clock' involvement • Greater employee productivity • Reduction of absenteeism 8. How do you measure client satisfaction? QUALITY CONTROL EXPERIENCE Our form of monitoring client satisfaction is simple yet immensely powerful — it involves our constant communication with our clients. Real -time interaction between our support staff and our clients takes place on a daily basis, giving us immediate feedback. Feedback is channeled through Managers and allows for decisive action and improvement when necessary. We are also able to offer employee surveys to gauge satisfaction with, and utilization of, your benefit plans. We are quickly able to measure those areas that may need to be addressed as well as partner with your employees to facilitate their benefits experience. At Sapoznik, we understand the value of recruiting and retaining employees who represent the greatest contribution to the City of South Miami. Through our technology platform we are able to monitor the quality of our services, the timeliness of our responses, and track the resolution record of claims. 9. Confirm that you serve as a consultant or broker, independently, and are not affiliated with any insurance company, third party administrative agency or provider network. Sapoznik Insurance is an independently licensed Employee Benefits Agency under the State of Florida with no affiliations with other insurance companies or brokers, outside of the confines of normal broker /insurance provider relationships. 16 insid ome Broke -'ac }e Serviced RFP NO. .S.M -200 1 -08 -HR $t 10. Describe your experience in provider network development, recruitment and negotiation, and maintenance. CONTINUOUS EXAMINATION OF POLICIES, AMENDMENTS & CONTRACTS Securing the best insurance package for your business begins with planning. Analyzing all your risks is critical to successful implementation of your employer group benefits. Sapoznik Insurance will partner with you by providing ongoing assistance, consultation and service that will help you control your insurance expenses, choose the best plan to fit your company's needs and review any policy amendments, service agreements or contracts. You face many employee benefit challenges, including internal resources, time management, employee education, compliance with federal and state legislation, trend increases, pharmacy costs and increased litigation activity. This demanding environment dictates a change in the way you purchase and manage your insurance programs. In order to compete in your marketplace you must adopt a total cost of employee benefits management philosophy based on data - driven decisions and globally positioned communications. We specialize in evaluating, negotiating with, and recommending insurers and providers to our clients, and we employ rigorous selection criteria and performance objectives when considering a vendor. RENEWAL PROCESS & TIMELINES We understand the need to partner with our clients and be sensitive to deadlines and budgetary constraints. Our dedicated service spans throughout the year, and we continually work behind the scenes to make sure that the administration and negotiation of your benefits is a fluid process. For this reason, Sapoznik begins the renewal process no later than six months in advance to your group's renewal, allowing us to partner with you to accommodate the benefits you need within your budget. Six months prior to renewal, the process begins with discussing relevant data, strategies and objectives to be met for the upcoming year. It is at this point that the active quoting process starts with interviewing of viable carriers followed by creation of a formal RFP, including: Gathering of all relevant raw data (Census, Claims, Medical Loss Ratio, Backup Data, etc.) that is processed into a custom electronic format appropriate for each respective carrier's specifications. For suggested renewal timeline please refer to Appendix A. QUOTING & NEGOTIATING Our In -House Quoting Department then processes this data, formatting it to the specific requirements of each carrier on each line of coverage. For the next several weeks we work diligently with respective carriers and underwriters in order to secure the best possible initial bids. We capitalize on the strength of our relationships with each carrier to allow us to deeply negotiate plans until we reach the absolute best final rates and deliver them to you. With our experience and flexibility, we can customize our products and services to help deliver the right benefit solutions today, and as your employees' needs evolve, over time. Once bids are received from all carriers, another in- depth analysis is performed to identify strengths and deficiencies with each submitted proposal. We once again work with each carrier and underwriter to further negotiate each offering until we reach the "best and final" proposal. 17 ({ssurunce Rrolkeiu ie S➢rvices RFP NO ,`S,M- 2011 -008 FIR t t .qi .a. COMPLETE RENEWAL PACKAGE At this stage, preparation of a detailed comprehensive analysis begins. Carrier submissions are formatted and structured into a custom presentation allowing for side -by -side comparisons of benefits and costs. This process is repeated for each separate line of coverage. This permits us to meet with the City of South Miami staff to review all proposals in an easy to interpret format so that staff may make a well- informed decision of which carriers and plans best meet the current and upcoming objectives set forth by the City. IR41,1:14'L7 tif'il44i[I2[e We request a renewal meeting upon securing a thorough line of benefit options and alternate proposals to present to you several months in advance to your renewal. We will work with the City of South Miami to select the most fitting level of coverage within your budget. We are then available as needed for additional meetings with Staff that may also include focus -group meetings with cross - sections of City Personnel and City Council (if needed) prior to making an Official Recommendation. At this point, plan recommendations are formally presented before the City of South Miami for approval. Sapoznik Insurance conducts a follow up meeting prior to the renewal date to communicate benefit choices to the employer, and discuss implementation at renewal. WORKING WITHIN A BUDGET Sapoznik Insurance is the expert at developing plan strategies that identify the most economical funding methods. Their process includes preliminary meetings prior to the renewal where evaluations are made as to plan offerings and benefits that fit within the range of your budget. We will consult with the City of South Miami as to the best funding methods by evaluating relevant factors including the number or plan participants, number of plans offered and contribution strategies. Our evaluation then permits us to effectively use payroll contribution models to drive participation and migrate plan members into economically sensible plan options. Additionally, we strive to provide choices for all plan members that are sensitive to their respective individual and family needs. IDENTIFYING OPPORTUNITIES TO SAVE: We review all employee claims and plan utilization to determine what factors are crucial towards selecting plan designs. This in turn, translates to savings for our clients, as our education platforms seek to drive employees towards more informed consumerism. REVIEWING PLANS FOR COMPLIANCE We work with your Human Resources personnel and the selected carriers to ensure that all plans are in compliance, and that the administration of employee benefits meets the guidelines set forth by the most current national and state legislation. 18 insurarnuo.RrokorugeServke+ RFPJ NO SAS -20I I -08 -HR t , 4 y .mite. 11. Outline your ability to provide expertise and experience in the areas of health benefit plan analysis and design. BENEFITS ANALYSIS & RESEARCH Sapoznik Insurance has managed medical benefit programs for hundreds of employer groups in an effort to keep costs below comparable levels experienced by other employers. Our aggressive management technique includes a number of internal medical management and preventive health initiatives. As the health care industry continues to change, we have remained ahead of the game. With leading -edge technology, we obtain meaningful information that helps us evaluate cost drivers, trends and savings opportunities associated with our clients' employee benefits. In addition, we work to evaluate the impact of future plan changes. We provide employer groups with tools that will offer consistent year -to -year data, reporting formats and comparative benchmarks. This highly meaningful — yet understandable — information enables us to work together with your data in a continuous, interactive manner as plan management issues arise. 12. Explain in detail the types of analyses you have conducted relative to benefits analysis and design for a health plan with at least 100 employees. MANAGING COSTS THROUGH ANALYTICS & RESEARCH You face soaring health care and prescription drug costs, but lack the data you need to make money- saving decisions. Sapoznik Insurance has an internal web -based decision -- making & reporting system, Decision Master Warehouse (DMW), that allows you to assess your group medical and Rx plans with an easy -to -use management report. Through this system we can offer you clear recommendations to combat problems with utilization and plan costs based on analysis of your carrier data. You'll have the solid, high - quality information you need to formulate plan design decisions. For a sampling of DMW capabilities, please refer to appendix A: Technology. REPORTING FINDINGS Our reporting capabilities allow us to provide you with important data on which to base your vendor selections and coverage choices. We can provide results to you in a variety of formats, and seek to meet with your personnel monthly to monitor plan performance, and continuously evaluate your employee benefits strategy. CONDUCTING SURVEYS & STUDIES Through our HRConnection portal on our exclusive technology platform, Sapoznik Insurance is able to conduct surveys across your employees, and compare data across a variety of other data sets. We often conduct employee surveys to help employers custom - tailor their benefits to their employees needs, increasing satisfaction and productivity. BENCHMARKING OTHER EMPLOYERS & INDUSTRIES An area where we continuously excel is our strategy towards understanding, negotiating and implementing benefits. One of the most important components of this strategy is staying abreast of national trends in medical and benefits sectors, and reporting this information back to you, to make informed decisions. Our benchmarking capabilities 19 Insmonce Bmkea age Servicos RFP NO, Sht- 2011 -08 -HR M, �c through our technological platform can evaluate a number of important questions you may have, including several forms of analyses that can be conducted throughout the year including: Billing Discrepancy Analysis - Comparing member statements against The City of South Miami's Plan to ensure accuracy of processing by insurance carrier Diagnosis and Procedure Coding Analysis - Performed upon receipt of claim to validate correct provider /physician billing Employer Contribution / Payroll Analysis - Comparison is made between the City of South Miami and similar organizations within the some industry. • Contribution Levels • Cost - Sharing • Annual Deductibles • Plan Coinsurance • Plan Max - out -of- pocket • Medical Costs • Benefits Costs • Cost- saving strategies • Employer Offering Trends • Health & wellness initiatives 13. Provide examples of communication materials developed and prepared by your organization for use in City's health benefit communication campaigns. COMMUNICATION CAPABILITIES Understanding the complexity of employee benefits plans is a challenge even for experienced benefits managers. Employers need to keep abreast of constantly changing trends, laws and other regulations. Employees need to be able to understand their benefits well in order to be wise consumers and understand the value of their "hidden paycheck." Unfortunately, most employers have limited resources in this area. The Sapoznik Insurance team helps you tackle your employee communication challenges. With strategic planning and a thorough understanding of your communication objectives, we provide custom communication materials in both paper and electronic format that will help both you and your employees understand your plans and the issues influencing your benefits decisions. Below are the types of custom communications we offer — with a few samples included. Please refer to appendix B: COMMUNICATION CAPABILITIES for a comprehensive overview of our communication pieces and strategy SUMMARY PLAN DESCRIPTION (KITS & BENEFIT HIGHLIGHTS) Many employees don't take full advantage of their benefits because they don't understand them, and communicating the increased complexity of employee benefits is a challenge. We seek to educate employees about your benefits and how to best use their plan with a range of materials from Sapoznik Insurance. Plus, our communications can help employees understand how various laws impact them and their families, such as health care reform, COBRA and FMLA. As a leader in program implementation and communication, Sapoznik customizes enrollment kits for each of our clients, with crucial printed information for each employee to take home about their benefits, 20 Inswcm(e €S okeagoo Se;vketi RFP NO SAS -201 1- 084-iR nb.> eligible providers, discount pharmacy programs, facility use & pricing, as well as contact information so each employee can contact our customer service call center without having to burden their Human Resource personnel. This direct communication empowers employees to not only obtain the best possible coverage, but ensures that these employees know how to use their insurance program. Open Enrollment. Poster and Employee Benefit :Highlight booklets can be used to infoirn employees at Enrollment and throuahout the clan Year. Ea Employee Benefit Highlight Booklets gather ail key benefit details in one, easy -to -read publicatlon. Sapoznik Insurance communicates with employees on a regular basis throughout the year. Our call center is open every weekday without voicemail to ensure that your call gets directed to the right representative, and your questions get answered. Sapoznik Insurance's communication programs will take the stress out of communicating with employees, and seek to reach each and every employee at all your locations. NEWSLETTER, MEDIA & FLYERS advocate, both in the insurance market, and to your dedicated employees. We believe that educated employees are empowered employees. In addition, their awareness of their health status leads to informed consumerism, and a healthier workforce. We welcome all of your communication needs, and seek to open a rapport with your employees, not just at open enrollment, but also throughout the duration of the year. WELLNESS COMMUNICATIONS Sopoznik Insurance is committed to helping you implement workplace wellness initiatives that will reduce health care costs and increase employee productivity and satisfaction. We can build and customize a wellness campaign specific to your company and employee needs. Through our online services, we can provide payroll stuffers, posters, employee newsletters and educational flyers on health and wellness, designed to help you drive consumerism in your workplace. For Sample Communications, Including Newsletters, Wellness Updates, and other media and print information, please refer to the Appendix. Other Communication tools include: Employee Benefit Communications Benefit communications include memos, flyers, payroll stuffers, posters and articles used to announce benefit changes, introduce new benefits or plans, or to help employees understand and use certain benefits. Benefit Statements We provide benefit statement items such as total compensation statement packets and a summary of an employee's benefits package, including salary and benefits. Consumer - Directed Health Care (CDHC) We supply everything you need, including letters, flyers, articles, payroll stuffers, posters and e- mails to help support your CDHC campaigns. Health Care Reform Everything from employee- facing articles to payroll stuffers to Legislative Briefs, our health care reform content keeps employers and employees in the know on this hot topic. Employer Education Articles and Newsletters You'll have access to educational articles covering many benefit topics. This also includes a quarterly Benefits Bulletin newsletter about the newest legislation issues and benefits trends, along with a monthly one -page newsletter covering highlights of current HR and benefit news. Employee Handbook & Policies Access a full employee handbook, as well individual policies, that you can provide to your employees to communicate company policies or procedures. Health Awareness Newsletter This monthly, customized, two -page newsletter for your employees covers various health and wellness topics. Know Your Employee Benefits 22 Insurance Bmk ruye SeiviceL RF'P i' Oi SM- -20 'I 1 -08 HR tS \1 F Provide your employees with insight and information about insurance and employee benefits topics with this series. These brochures help your employees better understand their benefits, and can serve as a foundation for your ongoing employee communication campaigns. Live Well, Work Well This series of flyers centers on health and wellness issues, educating employees on how to live healthy and productive lives. National Health Observances Calendar The NHO Calendar allows you to educate and inform your employees on wellness issues throughout the year by supplying you with national health observances and listings of materials that complement those observances. Prevention Newsletter This quarterly newsletter focuses on topics such as obesity, exercise, drug and alcohol prevention, the flu and much more. 14. Are there any existing service provider relationships that may prevent you from acting independently and providing objective advice or guidance? (Examples, overrides, commission agreements, preferred contracts, pricing based on volume, etc.) SELECTING A PROVIDER Sapoznik Insurance is completely unbiased towards the selection of any carrier, and partners with senior level and Human Resources personnel, allowing the City of .South Miami to select your Health Insurance from a range of proposals. We determine vendor and benefit plan selection after an extensive evaluation is performed where we address plan structure as it relates to employer and employee costs. Thanks to our aggressive renewal process and quoting process with carriers, we may present the option to switch insurance carriers towards plans with stronger benefit structures, lower costs or both. In the event of a change in insurance carrier, Sapoznik provides stable platform for seamless transition guided by our dedicated staff. Their proven approach embodies a strong explanation of benefits while educating all members on efficient plan utilization. Sapoznik Insurance is a fully independent Florida private insurance corporation with no financial interest in the companies through which our services are provided. Sapoznik has concentrated its experience in employee benefits and has no single client or account contributing more than the standard commission from any Health Insurance carrier. Concentration risk is further mitigated by diversity with respect to market sector. Sapoznik's objectivity towards the Health Insurance Carrier selection process ensures that the client receives the best benefits at the lowest price without any bias. OBJECTIVITY Sapoznik Insurance's relationships with carriers will not lessen our objectivity or independence on any decision and represent absolutely no conflict of interests. Our preferred carrier relationships have reached the status of Preferred Broker level with the top carriers in the industry. This gives us the ability to negotiate rates and pass the savings on to you. Sopoznik 23 hismancFe RfokerageF Services RFP NO[ SM -201 1-08-FIR Insurance is associated with each of the following providers and enjoys a sterling reputation with each respective insurance carrier. 15. List any subcontractors who will provide services under this Contract and the services they will provide. The foregoing list of subcontractor(s) may not be amended after award of the contract without the prior written approval of the Contract Administrator, to be designated by the City Manager, and whose approval shall not be unreasonably withheld. Currently Sapoznik does not employ or engage the services of any subcontractors. All staff, administrators and other personnel are all direct employees of Sapoznik Insurance & Associates, Inc. 16. List and describe all bankruptcy petitions (voluntary or involuntary) which have been filed by or against the Proposer, its parent or subsidiaries or predecessor organizations during the past five (5) years. Include in the description the disposition of each such petition Sapoznik Insurance has never had any bankruptcy petitions filed against the company or principle employees in the entire 24 year history of the firm. 17. Provide specific examples of a significant savings in the cost of benefits to the client that can be directly attributed to your past services. Below is a summary of one of our many successes in full- service benefits for City of North Miami As the City of North Miami's incumbent agent for the past 7 years, our depth and understanding of the Municipality and its employees needs are unparralled. We have placed special focus on working alongside the City lending our direct support and attention. What has truly set us apart is the way Sapoznik Insurance has been able to negotiate renewals and plan designs. Prior to Sapoznik Insurance becoming involved, the City of North Miami had no claims experience reports and no tracking ability — resulting in year- after -year double digit rate increases from the City's previous health care provider, AvMed. The refusal of the carrier to provide the claims experience left the City with no way of targeting critical issues. City staff's 2001 RFQ resulted in declinations from all carrriers leaving the City with no other option but to accept AvMed's elevated renewal rates and unfavorable terms. Sapoznik Insurance successfully restructured City of North Miami's entire benefit program by implementing in -depth claims analysis, robust wellness programs in cooperation with City Staff, access to one -on -one customer service for employees both active and retired greatly enhancing: • Quality of the benefits • Strength of the carrier • National network to keep City in compliance with commitment to retirees • Customized, online, on- demand reporting capabilities As a direct result, City Staff and Sapoznik Insurance were able to properly identify and track critical issues related to the wellness of the employee population. Our agency was able to develop and implement a proactive health and wellness campaign. The success of these programs is now evident. The City's negotiated renewals are below the National average with the last 3 year's negotiated renewals. 24 Insmonce Brokerage Services RFP NO, SM -201 1-08 HR Y 18. List any companies your are affiliated with or have contractual arrangement with including insurance companies, third party administrators (claims or other administrative /record keeping services), provider networks, HR or benefits software vendors, etc. Health Carrier Representation: Aetna / UnitedHealthcare / AvMed / BlueCross Blue$hield of Florida / Cigna / Humana / Neighborhood Health Partnership / Vista — Coventry Dental Carrier Representation: Aetna Dental / Humana (Compbenefits) /Assurant / BlueCross BlueShield Dental / Cigna Dental / United Healthcare / Delta Dental / Guardian Dental / Met Life (SafeGuard) / Solstice Life & Disability Carrier Representation: Lincoln Financial Group / Assurant / Guardian / Hartford / Met Life / Mutual of Omaha / Principal / Reliance / Standard / Unum / Sunlife Vision Carrier Representation: Assurant / Cigna / CompBenefits /Guardian / Met Life / Spectera / VSP Supplemental AFLAC / Colonial / UNUM/ Allstate/ Coventry HR SOFTWARE ZYWAVE/ MYWAVE/ BROKERAGE BUILDER/ BROKER BRIEFCASE CARRIER STATUS Our strategic partnerships and relationships with outside service providers include our elite status among the top insurance carriers: • Blue Cross Blue Shield — Blue Diamond Producer • United Healthcare- Platinum Level Producer • Aetna- Key Producer • Lincoln Financial Group- Top Producer Level Only the top percent of producers achieve these exclusive status levels by way of volume written. Our relationship with Insurance companies allows Sapoznik Insurance to negotiate the best rates for our clients. Sapoznik maintains no personal interest in any one carrier, and focuses choices and partnerships based on cost and fit for a particular client. 25 Inswome Rtokeiacle Services RF=.P NO, SM -201 t -08 -Hit be) rot, ,,, ( i r /riiiit if �Ai�- ur(lr) ". 4t)rv:!:ir:M YUeN�.rtrir�kl Pi KAISER PERMAN#ME- Af't (a, I � g i (; vp. 4 \ 1 sr'teiglibI ,rrbofIII lleaith LLB tt2r4tet�h(p HCHAD A I [ I I I Io IIIt titltr.a°e Ili v rs 14 `� aasGe al trtn +rsnreoae 19. Describe your firm's ability to assist with Benefits Administration issues. IMPLEMENTATION OF EMPLOYEE BENEFITS (OPEN ENROLLMENT) Open enrollment is an overwhelming time for HR departments and employees alike. Our educational materials, tools and communications can help streamline and simplify the process for your company and employees. We have created a system that relieves much of the pressures a Personnel Department would have to manage during the months and weeks prior to the enrollment period, as well as throughout the year. Sapoznik Insurance's team offers extensive open enrollment and year -round support for new hires by: • Assembling all enrollment materials • Incurring costs related to design, printing and shipping of materials • Creation of applications and payroll deduction forms • Coordinating logistics involving delivery of your "enrollment kits" • Onsite Sapoznik Insurance Licensed Agents and Enrollers coordinating and conducting the enrollments • Customized PowerPoint Presentations • Outbound Media (flyers, posters, payroll stuffers) 26 Insmance f31okpIac7tt. Set vices RFP No SM-._2011 -0&1IR 3 For the weeks prior to Open Enrollment, our in -house Marketing and Communications Department creates and designs announcements, payroll stuffers and posters to help inform your employees of the upcoming enrollment period to help stimulate participation. At this point, our team of multi - lingual (Spanish, Creole & French) enrollment specialists will conduct an on -site session to educate, answer questions and assist your employees to complete their enrollment materials. Sapoznik Insurance will then gather the materials and systematically check for accuracy and ensure a proper transfer of data back to you and your selected carriers and providers. The Open Enrollment Meetings begin with podium presentation explaining Sapoznik's role and relationship in the entire benefits process. We make sure every employee receives a licensed agent's business card and reinforce not only their personal availability, but that of the entire Sapoznik Agency, to each and every City of South Miami employee directly, every day of the year to assist with any matters that may arise. Open enrollments are conducted by a licensed insurance agent with carrier representatives to educate employees about their selected Benefit Plans among all lines of coverage, as well as all agency services. As an added benefit, Sapoznik also hosts on -site new hire enrollments throughout the year to communicate employer benefit plans to new employees. CLAIMS RESOLUTION EXPERIENCE The handling of health care claim issues has become a highly specialized process where Sapoznik Insurance is known to routinely excel. Due to the broad spectrum of benefit claims situations, the need for highly specialized in -house experts is clear. Specialists that possess the capabilities and commitment to investigate, mitigate and resolve claims is a critical requirement to meet the ever - growing demands of the City of South Miami's employees. To ensure timely, responsive claims processing, our full service in -house Claims Team of seasoned professionals has been assembled to provide expert claims service and administration to ensure maximum benefit to all City plan members. Claims Support Areas include but are not limited to: • Investigation • Consultation • Adjudication • Mitigation This claims review goes hand in hand with areas such as Health and Wellness that provide a platform for helping reduce preventable medical claims. Claims support is a vital part of cost containment, plan stabilization and employee productivity. Sapoznik Insurance provides unlimited access to our in -house claims specialist department where elevated issues with claims will be directed. 27 Insuance Biokoiaue See v.;es RFP NO, SM -2011 - 08 -1 °9k � SS { The core responsibilities of our Claims employees include: • Ability to communicate effectively with our customers and providers • Ability to problem solve and make effective decisions • Demonstrated negotiation skills and ability to persuade carriers and Health care providers to adhere to contractual obligations • Ability to investigate details and conduct research on facts • Ability to maintain business relationships The Claims Department is directly accountable for achieving outstanding claim service performance in customer satisfaction and loyalty. Our full- service claims advocacy team sets the industry standard, with an over 90% success rate of claims resolution. Sapoznik Insurance continues to develop, test and implement claim processes, and continues to define best practices that address industry - related challenges and customer preference. As a result of creating best practices, we have created a first - class, results oriented claims organization. ENROLLMENT SUPPORT Sapoznik Insurance is well recognized for the superior Open Enrollment strategy it has developed and implemented over the past 24 years. We have created a system that relieves much of the pressures a Personnel Department would have to manage during the months and weeks prior to the enrollment period. Sapoznik Insurance's team offers extensive open enrollment and year - round support for new hires by: • Assembling all enrollment materials • All outbound media ( emails, flyers, payroll stuffers, etc.) • Incurring costs related to design, printing and shipping of materials • Creation of applications and payroll deduction forms • Coordinating logistics involving delivery of your "enrollment kits" • Onsite Sapoznik Insurance Licensed Agents and Enrollers coordinating and conducting the enrollments • Customized PowerPoint enrollment presentations • Much more WEB BASED ENROLLMENT SERVICES Sapoznik Insurance will work with you to provide reliable, efficient enrollments to meet your business needs. We are able to provide the City of South Miami a variety of web -based enrollment systems to facilitate the implementation of the City's benefits among all lines of coverage. Our web - enrollment services are seamless to both the employee and employer, and feature added benefits listed below: • On -line & Off -line Enrollment Technology • Agent Assisted One -on -One Enrollment • Co- browsing & Self Enrollment Option • Supports Core Products • Streamline enrollment process 28 Insumn(ES [t okeroge Services RFP NCB. SM- .- 201'I -08 -11ft Alp ,. • Salary Illustration • Benefits Statement • Enrollment Election Form • Document Center • Centralized Database • Reporting During & After Enrollment • Export Data & Customize Reports IN HOUSE CUSTOMER SERVICE & ADMINISTRATION TEAMS Customer Service • Sapoznik Insurance's VIP customer service is made available directly to each and every employee of the City of South Miami • Some of the main elements of VIP Service are easily accessed through: • Toll Free Line: — Direct access to Liv " • Multi - Lingual Staff: Spanish, French • Year -Round access: availability of entire team of Insurance Experts • Website and online access to our in -house team of specialists plus access to archived newsletters, spotlight articles and other resources • Claims Adjudicators o The handling of health care claim issues has become a highly specialized process where Sapoznik Insurance routinely sets the industry standard. Due to the broad spectrum of benefit claims situations, the need for highly specialized in -house experts is clear. Specialists that possess the capabilities and commitment to investigate, mitigate and resolve claims is a critical requirement to meet the ever - growing demands of the City of South Miami's employees. To ensure timely, responsive claims processing, our claims team of seasoned professionals has the expertise to provide the right solutions and the authority to implement them. o Core Responsibilities • Fully staffed in -house team of dedicated claims adjucators • Unlimited call -in access for claims issues • Over 90% success rate of claims resolution • Cutting -edge claims tracking and progress software portal Marketing & Communications Department • Throughout the year, our in -house Marketing and Communications Department creates and designs announcements, payroll stuffers and posters to help inform your employees of the upcoming enrollment period to help stimulate participation. • Unlimited access to marketing & communication specialists • Creation of customizable internal communications materials • Enrollment Posters, Presentations, and Highlight Books • Wellness Materials: Handouts, Payroll Stuffers, Emails • Education Materials: Flyers, Programming, Seminars 29 his emit o Bmkemge. Services RFI' NO, SM- 2011 -08 -HR • Research & Compliance Department o Our firm expanded to include a Research sector to stay abreast of any and all legislative changes not only to Health Care Reform, but also to the benefits landscape. Since laws surrounding benefits are diverse and complex, operating on both state and federal platforms, our team dissects all legislation for our clients in-state and nation- wide. o In addition, we also provide legislative updates and model notice reporting for provide benefit notices regarding useful information surrounding the new bills. Sapoznik understands the complex and ever-changing legislation surrounding employee benefits, and we are dedicated to keeping our clients in compliance with the mandates as they evolve. Health & Wellness Coordination Implementation • Sapoznik Insurance is the industry leader in wellness promotion, positioning health promotion as a core stole of our comprehensive employee benefits approach • Our full service wellness team is dedicated to providing the City of South Miami with full wellness services including (but not limited to): • Annual Health Fairs • Lunch & Learn Sessions • Preventative Care Flyers and Posters ■ Monthly Wellness Newsletters ■ Internal Wellness Communication Materials • Our wellness promotion efforts have a significant impact on medical claims, and facilitate individual awareness of health status. • Health Promotion also leads to higher employee productivity, reduced absenteeism, and less costly medical claims. 0 Employee Education One of the most important benefits Sapoznik Insurance can provide to the City of South Miami is employee education and informed consumerism programs which start at Open Enrollment and extend throughout the year. Our Agency creates a platform for consumerism, moving people toward healthier lifestyles and better management of chronic conditions through education. We understand the relationship between employee plan use and premium increases, so we educate our groups to become smarter consumers of health services whenever possible. Our three-pronged education platform includes cost-saving strategies that aid employees to pay less out of pocket, and help affect your bottom line. This strategy includes: Urgency v. Emergency: When to use an Urgent Care Center and When to Use the Emergency Room • Freestanding vs. Hospital Diagnostics- The importance of using a free-standing facility for Diagnostic testing and applicable savings 0 Rx Savings. Information & Handouts about promotional prescription drug savings 30 Insuronce Brokeac') u" , S- ices RF11 NO SW-20 'I-08-HR 20. What distinguishes your firm from other consulting firms and why should the City select your firm for consulting needs? INDUSTRY LEADERSHIP Sapoznik Insurance is the largest group benefits agency in the State of Florida that concentrates exclusively on employee benefits. While our competitors have diversified their enterprises to include areas of insurance such as marine and property insurance, Sapoznik Insurance has fortified its position in the marketplace by building a greater depth of employee benefits services and concentrating on creating a truly solutions-oriented service experience. Your Municipality will benefit from our expertise and level of experience in the industry, our firm size, and our dedicated and specialized staff and services, Unlike most agencies that span across a range of Insurance products and frequently focus on property & casualty insurance, Sapoznik Insurance is dedicated solely to being the leading provider of Employee Benefit Solutions. We currently offer all lines of employee benefit coverage: • Health • Dental • Vision • Life • Disability (STD & LTD) • Long Term Care 0 Gap Plans • Voluntary Benefits 0 401 k • Prepaid Legal We are one of the industry leaders in producing group benefits. We currently sit on the Board of BlueCross BlueShield for top producers, among other coveted carrier positions. Out top producer status allows Sopoznik Insurance to pass on the advantages to your group. Our philosophy of providing a comprehensive benefit process, from quoting and renewal meetings, to active implementation at open enrollment, distinguishes Sapoznik Insurance from other agencies. This consultative approach maximizes reach, product utilization and health outcomes using our products and programs. The City of South Miami will benefit from not only the range of products Sapoznik can offer, but also the fluid implementation and administration of these benefits. Our full service in-house teams are dedicated to servicing your account, answering questions, and advocating on behalf of your employees. 31 lnsuronc,e Brokeroge Service� RFf,' NO, SM--201 1-08-HR Service Description Insurance Market We provide access to virtually all insurance and administration markets. Access National In addition to our own talented professionals and specialized value- added Affiliations services, we have a wealth of resources available to us through several national affiliations. We will develop a customized strategic plan for you that defines objectives r Strategic Planning ; and outlines the actions needed to fulfill those objectives. Our services ensure an organized, complete approach to fulfilling your benefits needs. We pride ourselves on the level of knowledge and service we bring to our Five -Star Service clients. All of our clients are assigned a team of specialists dedicated to serving their needs. Each client accesses our team through a,single point of contact, making working with us seamless and easy. Experience We have i proven dedication and a commitment to excellence in our service to the business community. We use leading -edge technology to provide our customers with the latest Technology data analysis, as well as legislative, communication, and human resources :administration tools. Actuarial Services j` When needed, we employ the services; of professional actuaries to assist with calculations critical to your employee benefits plans. I Using employee claim data from your carrier or TPA, our Internet - based Data Analysis: Decision Master'"I Warehouse system analyzes your data and shows how and where to adjust your plan design to save money. We can even model recommended changes to show you the potential savings. Legislative Brie /s Our exclusive Legislative Brief publication summarizes recent federal legislative developments in insurance and employee benefits. All of our clients receive access to a personalized Web site. The site is Client Portal devoted to helping you with plan administration, legislative compliance, employee communication and morel Included with your client; portal, our Legislative Guides provide Legislative Guides comprehensive information about federal legislation such as COBRA, HIPAA, HIPAA Privacy, ARRA, FMLA, Section 125 and Medicare Part D. Custom We can assist you with all phases of employee communication, from CiCltiltl'11.1nICati4n ; employee meetings to payroll stuffers' and informative brochures about employee benefits and wellness. 32 _le Servit' s RFP NO, SIA 20i 1-08-HR 21. What is the total number of employees that you have assigned, currently, to employees benefits counseling? THE SAPOZNIK TEAM Among our many points of differentiation is our commitment to service consistently delivering extraordinary care and innovative solutions to the City South Miami. The Agency includes over 55 professional staff members that, if selected as Agency of Record, would handle every service aspect for the City of South Miami and interact with your Human Resources Department year- round while ensuring the most personalized service in the marketplace. The agents and support team make up the foundation that draws together 24 years of consulting experience with proven professionalism. This has allowed us to develop the following range of resources to serve you: • Full Service Ouoting • Complete Marketing & Department Communications Dedicated Customer Service Enrollment & Data Entry Specialists 1 33 ci rice Brokerage Services RFP NO. SM-201 1-08-1-IR HRconnectionO is available to you. This client intranet tool is a complete Human Resources employee communication system that helps you increase productivity, Tools streamline processes, improve communication and save money for your Human Resources department. Pharmacy Benefits Through arrangements with two leading pharmacy benefits managers, we Services have access to national pharmacy networks, significant discounts, pharmacy benefits modeling tools, and more. Voluntary Benefits We have experienced and highly knowledgeable consultants who can help you with this growing and important area of employee benefits. When partnering with us, you gain access to professionals from all over the !i country through the Community section of your client portal. An answer to a Community problem you have is 'just an e-mail away. As an example, one client writes, 1 "We just recently implemented a premium-only cafeteria plan. Can anyone tell me how this will report on the W-2s?" This question was answered quickly, saving time and resources. At Sapoznik Insurance, we see a simplified way for you to approach the benefits plan design process. With PlanAdvisor, we can help you analyze PlanAdvisor@ your benefits plan costs against reliable benchmark information, project the impact of medical and dental plan design changes, estimate your renewal I costs, and streamline the plan selection process for your employees. 21. What is the total number of employees that you have assigned, currently, to employees benefits counseling? THE SAPOZNIK TEAM Among our many points of differentiation is our commitment to service consistently delivering extraordinary care and innovative solutions to the City South Miami. The Agency includes over 55 professional staff members that, if selected as Agency of Record, would handle every service aspect for the City of South Miami and interact with your Human Resources Department year- round while ensuring the most personalized service in the marketplace. The agents and support team make up the foundation that draws together 24 years of consulting experience with proven professionalism. This has allowed us to develop the following range of resources to serve you: • Full Service Ouoting • Complete Marketing & Department Communications Dedicated Customer Service Enrollment & Data Entry Specialists 1 33 ci rice Brokerage Services RFP NO. SM-201 1-08-1-IR Claims Adjudication Full Information Technology Department Department SERVICE TEAM CONTACT INFORMATION Below is the contact 'information for the main service team that would be providing support to the City of South Miami. For full resumes of assigned personnel please refer to the Appendix. Rachel Scipoznik, Gracy Weberman Ada Waters President & CEO Vice President Benefits Consultant (p) 1.877.948.8887 ext. 107 (p) 1.877-948.8887 ext. 102 (p) 1.877.948.8887 ext. 121 (e) rcichgls @sap2-znik.com (e) -gracyw@sapoznJk-com (e) ado w@sgpoznik,com (f) 305.949.1099 (f) 305.949.1099 (f) 305.949.1099 Christine Nunzio Robin Konikoff Diane Shanahan Senior Account Manager Benefits Administrator Benefits Administrator (p) 1.877.948,8887 ext. 131 (p) 1.877.948.8887 ext. 144 (p) 1.877.948.8887 ext. 158 (e) christinenOsapoznikcom (e) r—obink@sapozWik.com (e) thanes O saDognik.com (f) 305.949.1099 (f) 305.949.1099 (f) 305.949.1099 Jackie Moskos, Linda Jamen, Laurie Haire, Benefit Analyst Benefit Analyst Quoting Director (p) 1.877.948.8887 ext. 159 (p) 1.877.948.8887 ext. 133 (p) 1.877.948.8887 ext. 113 (e) 'tack -'1e—m2Ls-aP—ozw1k-com (e) lincla0sapognLikcorn (e) laurieh@sal2oznik.com (f) 305.949.1099 (f) 305.949.1099 (f) 305.9419.1099 Leah Sabanosh, Gladys Ortega Brenda Centeno Claims Director Claims Administrator Wellness Programming (p) 1.877.948.8887 ext. 124 (p) 1.877.948.8887 ext. 132 (p) 1.877.948.8887 ext. 116 (e) Igghs @sgp!2znik.com (e) glgdyso@sapoznik.com (e) brendac(d)sopoznik.com (f) 305-949-1099 (f) 305.949.1099 (f) 305.949.1099 Mario Junco, Carol Morrison Sarah Weintraub Marketing Director Communications & Marketing Research (p) 1.877.948.8887 ext. 130 p) 1.877.948.8887 ext. 143 (p) 1.877.948.8887 ext. 143 (e) marfol0sapoznik.com (e) carolm 0sanoznik.com (e) iarahw0s000xn[k.com (f) 305.949.1099 (f) 305.949.1099 (f) 305.949.1099 34 Insurance Btokuroge Services RFP NO, SM-2011,084IR . ...... . .. C', . . ..... . 23. Discuss your firm's quality assurance policies and procedures. How do you measure whether you are meeting these standards? What is the frequency of any such review? SURVEYING & FOCUS GROUPS We can provide our clients with a wide array of surveying and focus groups to determine satisfaction with employee benefits programs and capture data on which to make future recommendations for plan modification. We are prepared to conduct surveys that detail items such as range of coverage, cost of premium, co-pays, co-insurance, deductibles and plan design information, as well as taking recommendations, Our findings can then be presented to your staff, as we work together towards building the most comprehensive benefits strategy to meet the unique needs of all your employees. We can customize these surveys to reflect your logo and color scheme, as well as include any additional questions that you may wish to be answered by your employees. 24. Detail your ability to monitor regulatory and legislative developments at both the state and federal level and how this will benefit the City and be communicated to the City. COMPLIANCE SERVICES We regularly monitor legislative developments and are committed to keeping the City of South Miami in compliance with current laws and regulations surrounding employee benefits. Our agency currently audits all incoming and renewing groups for compliance and standards testing through our carriers. Groups are monitored to assure they meet the requirements under current US legislation and Employee Benefits Security Administration (EBSA), as outlined by the United States Department of Labor. We continuously review all our plans for compliance with the Health Insurance Portability and Accountability Act of 1996 (HIPAA), The Employee Retirement Income Security Act (ERISA), The Mental Health Parity Act of 1996 (MHPA), Medicaid and Children's Health Insurance Program (CHIP), Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA), and most recently, the Patient Protection and Affordable Core Act (PPACA) & The Health Care Affordability Reconciliation Bill (HR 4872). Our firm provides compliance services to our groups through the following measures • Monitoring compliance with employee benefit regulations * Facilitating the reporting and disclosure of relevant benefit information • Providing documents and model notices as required under federal law Our audit services extend past the traditional parameters to include compliance with not only benefit laws, but also the administration and implementation of your groups benefits. Sopoznik Compliance Audits measure the following aspects of benefits testing • Contribution requirements • Employee Eligibility • Non-Discrimination • Mental Health Parity • Waiting Periods • Pre-existing Conditions Limitations • Oualified Medical Expenses • Annual Contributions to Health Savings Accounts 36 lnsurf:mce Brol,,,,eroge Services RFP NO,, SM-201 1-08-HR • Annual & Lifetime Limits • COBRA Eligibility • Medicare & Medicaid Eligibility We pride ourselves on our ability to partner with health insurance providers to bring you unparalleled benefits administration that adheres to legislation as outlined by the United States Department of Labor, the authority on workplace and labor law and enforcement The passage of the Health Care Reform Actin 2010 yielded an entirely new set of benefit laws, mandates, and implementation requirements that required special attention for compliance standards. Our firm expanded to include a Research sector to stay abreast of any and all legislative changes not only to Health Care Reform, but also to the benefits landscape. Since laws surrounding benefits are diverse and complex, operating on both state and federal platforms, our team dissects all legislation for our employees in-state and nation wide. We provide continuous legislative updates and model notice reporting for any and all benefit changes required by low. In addition, we also provide benefit notices about regarding useful information surrounding the new bills. COMMUNICATION METHODS We have found over the years the most effective method of relaying information to employees is through email communication. Any time we need to send out a model notice about a benefits change or mandate, we first email it to the Human Resources Supervisor for approval, and if requested, to their employee pool. For convenience we provide both plain text and PDF documents, as well as embedded email text for easy reading both at a computer and on a Smartphone. We attach printable versions (PDFs) to all legislative update emails for physical distribution. Sapoznik Insurance understands the complex and ever-changing legislation surrounding employee benefits, and we are dedicated to keeping our clients in compliance with the mandates as they evolve. COMPLIANCE COMMUNICATION TOOLS Our firm provides compliance services & communications to our groups through the following measures: Legislative Briefs Sapoznik Insurance is happy to provide our clients with exclusive Legislative Brief publications that summarize recent federal legislative developments in insurance and employee benefits. These informative documents are researched and written in an easy-to-read manner by experienced benefits attorneys. Model Notice Reporting We provide model notices to our clients and their employees as outlined by the IRS and other federal and state legislation. We can provide these model notices in both paper and email format. 37 insurance Brokerogo Servic(as RFP NO, pia ­2011 l -08-1-IR Outbound Media We communicate important legislation to our clients through a variety of outbound media methods, including (but not limited to): newsletters, posters, flyers, payroll stuffers, emails, model notices, and more Customized Presentations In the event that legislation should be passed that effects the benefit plans of our groups and their employees, we can conduct on site or virtual meetings to educate both HR staff and employees about any applicable plan changes or new updates and compliance measures. Client Portal All Sapoznik Insurance clients receive access to a personalized online Client Portal, which is designed to offer time-saving tools and resources that build convenience into managing your everyday work tasks. Community The Client Portal Community section lets Sapoznik Insurance clients network with a vast, knowledgeable group of colleagues from all over the country, and share resources and information. This interactive forum allows you to post questions to peers and provide insight to others' questions. Topics include Benefits Legislation, Compensation, Employee Relations, Health Care Reform, HR Development, HR Management Topics, Recruitment, Risk Management and Other. We continuously seek to provide our clients with immediate notices about any legislation that pertains to benefits. Please refer to the Appendix for an in depth look at some of the tools we use to disseminate information about compliance to our clients. 25. List all claims, arbitrations, administrative hearings and lawsuits brought by or against the Proposer or its predecessor organizations(s) during the last (5) years. The list shall include case name, case, arbitration or hearing identification number, name of the court or tribunal, the name of the project over which the dispute arose; and a description of the subject matter of the dispute. Sapoznik Insurance has never been involved in any claim or lawsuit in its 24 year history of operations. 26. Describe all proceeding concerning business related offenses in which the Proposer, its principals or officers or predecessor organization(s) were defendants. Sapoznik Insurance has never been a part of any proceeding concerning business related offenses in its 24 years of operations. 27. Has the Proposer, its principals, officers or predecessor organization(s) been CONVICTED of a Public Entity Crime, debarred or suspended from bidding by any government during the last five (5) years? If so, provide details. No Proposer, Principle or Sapoznik Employee has ever been accused or convicted of neither a public entity crime, debarred, nor any other legal action by any government. It is company policy that all employees are screened for any criminal activity before hiring in accordance with our employee policy. 38 Insumnce Brokeroge Services RFP NO, SM--201 1-08-HR The PROPOSER acknowledges and understands that the information contained in response to this Qualification Statement shall be relied upon by CITY in awarding the contract and such information is warranted by PROPOSER to be true. The discovery of any omission or misstatement that materially affects the FROPOSER'S qualifications to perform under the contract shall cause the CITY to reject the Bad, and if after the award, to cancel and terminate the award and /or contract: VERIFICATION PURSUANT TO SECTION 92.525(2 ). FLORIDA STATUTE Under penalties of perjury, I declare that I have react the faregaoin2 Response to Qualification Statetueut acid that the facts stated iu it are trite. DATED this I clay of JV L-Y '201 1. 10n Line Above. Print or Type Name of Person Signing) FAILURE To COMPLETE, SIGN & RETURN THIS FORM MAY DISQUALIFY YOUR RESPONSE 39 hisurance,° Rrokerci fje_ Services RFP NO. SM-20 i i -.08-1-W ECTI • N E C E R T I F I C A T I O N & N O N - C O N C L U S I O N A F F I D A V I T z t, NON-COLLUSION NON-COLLUSION AFFIDAVIT Insuranoe Brokerage Services STATE OF FLORIDA } COUNTY OF MIAMI -DADE } Signed. seated and delivered in the presence of: Insurance Brokerage Services RFP Nlo. i 2011 -Q -HR Page 20 of 2 41 rI Certificatioll is not applicable to an it ProL)osei) Insurance Brokerage Services LLP 11 joint Venture #rganization, be and is hereby authorized to execute the Proposal dated, ___L_diy of M) 1A 20 11 , to the City of South Miami and this organization and that my execution thereof, attested by a Notary Public of the State, shall be the official, act and deed *f tkis attestatio-i" I further certify that said resolution is now in full force and effect. IN WITNESS WHEREOF, I have hereunto set my hand and affixed the official senFlof the 7 T corporation this, day of t) L-1 20 t Print Name C ignature NOTARY PUBLIC: LAURIEkLYNHAIRE SEAL MY COMMISSION # DO 789357 EXPIRES: June 6, 2012 SI,"""; Borded Thru Budpt Notary Ser*r. 97W-V-T37ll1T-r, IjIM351 a an j Insuratice Brokerage Set-•ices RFP No. 5NI-2011-09-HR Page 22 of 25 42 Insuronco Brokerorjr,-� Services RFP NO, SM-2011-08-HR E C T 1 ON i y. 44 Insurance [�rokerciqe Services RFP NO, SM-201 1-08-HR S } Y Agency Name: Address. City, State & Zip Code. Contact's Name: Telephone Number•: Agency Flame: Address: City, State & Zip Code Contact's fame; Telephone Number: Attach additional sheets if necessary. MIUM,,. hisufatree Brokerage Seivices RFPNo. SM-201 t-09-HR Page 23 of 25 iv�surr.mce Brokerage a rvtces RF:P NO. aM-201 t ..08 -HR [amratice Brokerage Seinices RFP No- SM- 2011 -4 - ige 4 of 5 4isurcm c, Brokerage Sicrvices P NO SM- Cil & Oji -FAR 46 The Bidder /Proposer agrees tha if trris response /submission is accepted, to execute an appropriate CITY document for tI-e purpose of establishing a formal contracvAel`rel:ationship betw-ten the Sidder/Propos t- and the CITY, for the performance of all requirements to w+jch tho retponsea'swbmi , slon pertsins The luiddev�Pr °opostr states that this respi;nse is based upon the documents identified by the following numbor: 814/ FP No, M.- 2-Olt - 0 The full -names and residences of persons and :firms interested in the fore o n bid/proposal, as principals, are as follows: Iats Lit atttr FS:tr1eaa�V-,r Sri %Iu s ice? N. M -100 1-€9- Pavr 2 of 5 47 Insurance Brokerage `services iii P r',10. S c,_ -201 i- ti8 -11[ CONE OF 51LENCE AFFIDAVIT The full legal names and business addre3s3, of any oti-er irdividual (other) than subcont-actcrs, material men, suppliers, laborers, or fori who hove, or will hayc, any interest (legal, equirmble, beneficial or otherwise) in tl-e, contract or business transaction with the City of SOLO Miami ve: l�fi ISM-201-a9-Hx Page 20 of 25 48 Insurcince Brokeroge SeMces RFP r,10. SM--201 I -08,-HR Subscribed and sworn to before me this �_ day of 20 X It, LAURIE ALLYN HAIRE MY COMMISSION #CD 739357 Notary Public (i natdre - EXPIRES: June 6,2012 My Commission Expires: � r M., �� Nondsd Thau 8090t NOWY Serves Msuraz°ace Brokerage Sect ices RFP No SM-2011-09-Ek Page 27 of 2 49 ECTI • N Go N P U B L I C E N T I T Y E The PROPOSER acknowledges and understands that the information contained in response to this Qualf cation Statement shall be relied upon by CITY in awarding the contract and such information is warranted by PROPOSER to be true. The discovery of any omission or misstatement that materially affects the PROPOSER'S qualifications to perform tinder~ the contract shall cause the CITY to relent the Bid, and if after the award, to cancel and terminate the award and ?or contract; VERIFICATIONPURSUANT TO SECTION 92,525(2'1. FLORIDA STATUTES I hider peoll ies of perjury, I declare thraaf T brave rewl the foregoing Response to Qualification Statement aarrcl that the facts, oated in it are trace: DATED this (lay of t-�J 2011, (On dine Above, Prin'. & Tyr blame of Person Sigwairrg)� 51 I Jn COST PROPOSAL Included within the scope of the flat -fee annual compensation are all of Sapoznik Insurance's comprehensive services ranging across all lines of employee benefit coverages and all facets of service administration and implementation, Sapoznik Insurance & Associates herein proposes a $40,000 USD annual consulting fee to support the City of South Miami and its employees benefit needs, claims and additional services such as wellness and enrollment support. This fee is inclusive of all personnel, time, and activities, and the City of South Miami account will not be billed for any additional services as listed in this Request for Proposal Document. Below is a summary of Services, Coverages, Programming and Additional Support available to the City of South Miami included within the proposed annual fee. LINES OF COVERAGE AVAILABLE INCLUDED IN BROKERAGE SERVICES: • HEALTH/MEDICAL • LONG TERM DISABILITY GAP PLANS • DENTAL • SHORT TERM DISABILITY • PRE -PAID LEGAL • VISION • LONG TERM CARE • 401 K • LIFE AND AD &D • SUPPLEMENTAL PRODUCTS BROKERAGE SERVICES AVAILABLE ENROLLMENT SUPPORT ACCOUNT MANAGEMENT CUSTOMER SERVICE • CUSTOM BENEFIT • 3 ASSIGNED ACCOUNT • TOLL -FREE ACCESS LINE HIGHLIGHT BOOKS & MANAGERS • CUSTOMIZED EMPLOYEE KITS •= IN HOUSE SUPPORT BENEFITS PORTAL • BENEFIT SUMMARIES • UNLIMITED ACCESS TO • .ROUND THE CLOCK • ON-SITE ENROLLMENT SUPPORT STAFF SUPPORT PERESENTATIONS • ACTIVE REVIEW AND • BILLING, ID CARD: $ DAY TO • .NEW -HIRE ORIENTATIONS MANAGEMENT OF DAY RESOLUTION ACCOUNT PERSONNEL • WIRELESS WEB ENROLLMENT QUOTING SUPPORT CLAIMS SUPPORT COMMUNICATION SUPPORT • ACTIVE ANNUAL RENEWAL • UNLIMITED ACCESS TO • UNLIMITED ACCESS TO PROCESS ACROSS ALL CLAIMS STAFF. MARKETING TEAM, LINES OF COVERAGE & ALL CUSTOMIZED MATERALS CARRIERS • DEDICATED CLAIMS WELLNESS SUPPORT, • PRESENTATION & NUMBERS AND ASSIGNED BENEFIT IMPLEMENTATION MEETINGS TO REVIEW CLAIMS REPRESENTATIVES • CUSTOM PROGRAMMING;, CUSTOM OPTIONS • CLAIMS RESOLUTION EDUCATION • EFFECTIVE NEGOTIATIONS SEMINARS TO ENSURE BEST BENEFITS EXPLANATION EXPLANATION OF BENEFITS • MONTHLY NEWSLETTERS, FOR LOWEST COST • DETAILED CASE DT FLYERS, HIGHLIGHT • COMPLETE RENEWAL MANAGEMENT WITH BOOKS, CUSTOM PACKAGE WITH HIGHEST RESOLUTION RATE ANNOUNCEMENTS, EMAIL CUSTOMIZED OPTIONS IN THE INDUSTRY CAMPAIGNS, OUTBOUND AND QUOTES MEDIA 53 limirant:e Rrol�e?t,.ig `;e vices RFP NO, SM - -2 31 I 08 -III RESEARCH SUPPORT • CONSTANT PLAN MONITORING AND PERFORMANCE REVIEW • MONTHLY OR QUARTERLY MEETINGS TO REVIEW UTILIZATION AND PLAN NEXT STEPS • AUDIT REPORTS AND FORMAL RECOMMENDATIONS BY TEAM ANALYSTS WELLNESS PROGRAMMING; SUPPORT HEALTH FAIRS • ANNUAL HEALTH FAIRS AT ALL SITE LOCATIONS • STATIONS FOR HEALTH AWARENESS & PREVENTATIVE CARE • BIOMETRIC SCREENINGS • EDUCATIONAL SEMINARS • NUTRITION AND FITNESS CONSULTATION COMPLIANCE SUPPORT • CONTINUOUS AUDITING AND MONITORING FOR COMPLIANCE ACROSS ALL STATE AND NATIONAL LAWS • CONSTANT RAPPORT WITH HR DEPARMENT TO MONITOR PLANS AND BENEFIT OFFERINGS FOR ADHERENCE TO ALL REFORM POLICIES BIOMETRIC SCREENINGS & WELLNESS SERVICES FOR ALL EMPLOYEES • BODY MASS INDEX • CHOLESTEROL (LDL & HDL) • GLUCOSE (BLOOD TEST) • BLOOD PRESSURE • WEIGHT • BONE DENSITY • FLU SHOTS • MENTAL HEALTH AWARENESS • CANCER AWARENESS EDUCATION SUPPORT • CUSTOMIZED EMPLOYEE SEMINARS AND SMARTER CONSUMERISM • EDUCATIONAL MATERIALS TO PROMOTE LOWER OUT OF POCKET COSTS • WELLNESS AND PREVENTATIVE CARE EDUCATION • Rx EDUCTATION, UTILIZATION EDUCATION, etc. SEMINARS & PROGRAMS WALKING CLUBS + SMOKING CESSATION + NUTRITION HEART HEALTH FITNESS & EXERCISE UTILIZING WELLNESS PORTAL • ALCOHOL & DRUG AWARENES • EATING WELL ON THE GO • HEALTH PLAN MEMBER DISCOUNT PROGRAMS Sctpoznik Insurance is willing to work with the City of South Miami to provide any services as desired that are not listed above, or work towards modifying the above items to be included > within the scope of our fee. Unlisted services must be pre - approved to be included within the aforementioned cost package, and are subject to availability offerings. We strive to provide the City of South Miami with the most comprehensive benefits package in the industry at the most competitive consultation rates. We welcome a rapport with city of South Miami towards creating the best service package inclusive within the $40,000 annual consulting fee. 54 Insurnrlce, Brokep`oge Services RFP NO. SM-- 01 1- 08 -Fl; L I C E N S E S TV 101 111AW"'IAT R w .d POZNIK INSMIA1* C'E ASSOCIATES, INC! NOV II\AAN11111xACIIM Jo 21 } "d�. 1'�e Bt:+tlPltt4 1a m 1626, 1ln., l't "ih A,...,.... i 1.Npirt C!!1 11U i 121111 " e ifie,.aaer T +, S, _t n 4114M, klWidl4L4 14 ,C, 11 i , Ki Sri tho At 6sv M'hne,e t fill Of 04,,1Y1wrj Uo ,Aok or €li u rat ld}�a1�1r Agit at �x:h* 1# iipS�+oh tcd , rc, 5r pit tin t rr 41ti a ` E t SaeeMistS r atnbepl7d 1' rt i6 iuir Ala. rtt�),Irra i1}hr tlr l d of its lnn�trae,l',ddet �� �pt15'I3 i r � tit � t[ l rlplik1 fi'T'(JAn i- yloq:f! tr �da�iial , a r w N°k1 4. �rrt2"i�ca ^e i ie m Few'*iryM .f� Fie, 'P:k .r, . .'aN,.. �'. ... �5�". ^.29. ..d1° ,-.�.. is i.,tt& a 56 Insuronce BGoketag , Services RFC" NO, SM -- 0 � 0 -HR vKY COMMERCIAL PREWUM FINAMPE AGREEMENT AW 01 CLOS R TAT EM FN f1r IMt U01 �yYl rs! _ � t Gostr vwJ air`@ t,;a,a33srPatT}14r..1I •rIa11'a0 A SuldPiem L cRtswn�ttyrsrrwtaf92 y4„tPe,i)17t. 1MI Y +9211 VFG Ior vu 14'r 4. IIPr I1ff, I @Y rl llr(tul,cof pot ICIE Ftr41 Haim u1Ir,>$4r.3 eet(wipart hANalsrr -� v t r r a slr ra Alkl i; d, Gwv n Ar i rye" rt P116 ,.Ter l C1r�:ilrr C9 rlr; F, t r Irv11.11Orka;„a I 1 ens h; Mo 13a Vr r'131rtt.i'i,.3 ;. 1- g lµ Wp"i €P (itk3PY@ 8(i .rl rt.dl Pbe'ir 0 &rY N F, ,�a11 ..y{ y Jb 92001� Scc'I jia Irlaaranro(;t4mpj,,y r'ki) F 9 � � 11 ta.�r9 �4 d�?Gi "p" Gwa3kF5 HIS;( t P r {CCaP ik. iJid 9 (k4i,'' =+ It 1t,r u ' i 11Ta w "'FErs I 1 gl Ettr rrrflttt #yam 1tt�iilr mrad ttlrtiricct A34;1e,tj {13iR 11ri$1� AithiirJ.Ga%igivt A Co Sub, (XI fr91.11i FrL 311166 )( T aEasat hkatl+3 ta35r 6r* -6wu 9 LENDFR FIRST INSURANCE FUNDING CORP, 450 ,kkvkik $Ms Est." t+ 1 ari 1-t{r1(jir° ti; uli 1�tr lwew.9Y.i+l�9t �., "iral9. ANNUAL PERCENTAGE RATli lCust d iouf Cft& tirl rni trn ye t ttdj * U50 Pr"1°r`404TSCIIEDU VIM, 3a — )XgYta Altaelied NNIM 74 ca 4are��lr4a'rs +slb g`�1elr^ 1 3rr 60 Ent OR 11ROXE r REPRE'SE4 tA41 a1 'm r Il 9 sat 0 w'4,attr rra 41 iXrlirrltatI"Q rA IM104 Crl ' C.rvl,ngvtt.I arrlt r" =`��� c II � mJ. >rz*w;¢:rtai ti .. ....� .®—... .. till sSlnrura' .Jra aflirtair'r t] 6 -n, i I � J- 4, rk I IU, .E 0 ft, tN if it 05, W, Y010 Ara ofild In pay off rtautit c1 a '111d 01WO e! WIN t drys altanp. 141 19rracireitt nail y F. A, M! VtlrrlarrA IN. rtalrTtt *zj BY; 5-4rzcw! 57 fi isurd`I1`94'e B9•ukerage Service5 RFP NO. S.M..2 1 1 -0 - H :R ey 0.0 iirr 0(,3 �YINOulk,t4.1"U'sIlril f1r IMt U01 �yYl rs! _ � t .....».. r1. f4r.liP J1_:1, . 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In IV., S°i "ra "'t, VS [ I t.&,^I t^1r F,a era I °ia aaprew e :r{pi rm.YKim Iiael:y A ( =d�. ^ 4,$IW,,'OCAI cr is ,In1111t r w*ar r^a m:'a ° ".'Ara,"awy tar E.Orea lrrrntr 11195, ^rla�.11x „_ Iu'r ail; t4t4« �Ft3r ~<�+ksi,x,�asra,4tasranrriv,o r. rw a4daJ14r s,rahatl pr;�` +19'98 CdtsL,.i ryxxl ez W A4 v iceja I l txt l em$+aw,1 k! -O mt lot It ivr "k'6a`A°m,x�.Aap4 x1154;»4. § =rr oa+m lrwl9rxl'ad;4�ti wvr tal:+'i3 alt li f, t"nl »f r,r ,ii�F =, a1I §vl It tl, loavr':fna 1p Ywm l :worm 4sw „Awryxl,a ,x ahwY ice i +r 1 ~9x14 kh,:at l tl ftett t ^Ili wI, ,01111ar; Al THIS POLICY APPLIES ONLY TO CLAIMS FIR$t MADE AOAINST THE INGUREL) DOR040 THE POLICY PERIOD OR DISCOVERY PERIM UNLESS COVERAQF, IS PURCHASHD FOR PAYMENT OF DEFENSE cosTs IN ADDITION TO TH5APPLICARLE LIMITS OF LIAOILITYt Tilt APPLICABLe LIMITS OF LIABILITY AVAILABLE TO PAY JUDGMENTS OR SUTLOWNTS SHALL BE RPOLIM) BY PAYMENI OF UEFENU COS TS, 061`14G COSTS MILL fit! BOB. JECT TOTHC RETENTION, PLEASE READ X-40 REVIEW TiM POLICY CAREFULLY. PrearamAdmImIstritor; Lvu &Mmmm FloarclalSurviiees, Ino, i9r, rarailglon Ave nuff FormhutQn, ("Onnocccul 0�5032 Rom I Namod 11s"r0d; SapozAlk Instj rail to & Assaidates, Inc, Pnky No,: AUS•0000239 Aged Colo: 01401 1MNE163rd5traet Pro clom W, 2"(f r-loor N. Miami Reath, FL 33162 Itom 2. Urnits of Llabll Ity; il, $1,000,000 Efidt Cinlnr 1), $?,000,000 k) tltra A91tIra Itrta ali Claims ud AdditlonN Coverad Uxpepscs c, Mango COM4 are IncluIlej wjljxjrj t1ju Limb stated obovo� .... .............. ............ tx-j w6 rl No (It flubox le ubuclindi 06fonso Chris ofodsemod holut!,od vdlh n Tiro IjIIIJ14 t,(j)tvd wbo,�Q�) Hem J. Polley Porlod: Fica), Navumber 14, 2010 lo November 14, 2011 M01 AA1 A!Arckild (In",0 01 the Namo;l hirwrod's Q001 AdIffoss slwfi c abovii far 4 . R 0" to') Ii ( ien'l'- - - ' ' ' ' " * - 11 1-1,11, 11-1 1 11-1-1-- 1 1 1 1 - I —1_,:., , . ---- , , , , 11(sm 5, Rotfoadiva Date: November 1,s, 2oog Ile 1116, pitAllutw $31,893 It'liq AUS-1114 (11/07) Ai S-APP-R-1 (11107) UjS-COVpG (1/08) A1J$-6 (11/07) ARS-12 (11107) to compllly: Rolle of —01alms 1q-: "pip'llfgT1 to liviltsdrilo Instirance, Company Too & Mason Finatirlal Sarvk.,", Inc. Alftv UjIms fannoijor I !DF FarmIrIttonAvoom 7 lNuild Tiado Curilm,31" III, FanyW.glm, COMM,0001 0003'1 2 Oreoll"victi 31(ool NOW yufk V 110007 Ltlqp�mtig�va( vqdomspoe n Mn ,_ , %#rr" I I lt!yt!��-1.11-11-1 I---- - . , — --'I", - 1-111-. -- I I ThAem Dno;imlioni, taljoilinr wNi the ApplIcittlon, the Po'Iry wid vy"Altuil un](guenu,"(113, It wy, W1,30IM 1hpIph, Shall CcmMulo tho cu"Imrl holwaarl U10 111surod and Ple) Cmnpony 59 Insuronce Brokerog(a &wvices R'FT NO, SM 201 1 -08 gHR Articles of Organization For Florida Limited Liability Company Article I The nauaae ofthe 1 irraiterl 1 inhility Com artlr i.x: S,4 )oY,aailw lttsni,ance & Amw6alm l.l,t Article 11 Th.- street address of'the larinci rrl offioc of Ow Limited Liability C°ampaally is i 100 Irk 163" Street, ca 1 "tat44t` North Miami Boich, FL 33162 Pte rrtsailing aildross of thn Ltat iled l..ialtility Company is: 11th P, I63"t Sti —at; 2"" l`lwir North Miami Back H, 11162 Article III: The purpow for which this Limited Liability C ".tamfuty it Org;tanized is: The oat p"my 'is rrrgmliz,°M to comitme the business of &ipomik Insurance & Axsoc irate%; lnec and to Cngg11e in ay other lawful hit -ta mi poem ed under the has of the Unita:al States mid the Stater ofFlorida, Article lip 1`lae manic autti Florida sweet address s ofthe is Austin A, Frye 20t`J ire'diitiia Iligsway f1ventura, h1. 3.1180 Iiavdng l.`.;f;`.ra n;amcal m rt.v',i51(;wd agent and to accept service of ptoc rrs for the dti}nyc ;statCtl limited liability company ,tr rlie place desipawd in that cenifkattc, [ lrerelay accept 11ta appointment as registered a ttii and as rev to ut in flak capaadly: l further taptrve taa ctanil.ly wirls t}tcr lartawl lcarrs of rill suflurei a l ztiaaS tea the 1'rUt to l vtaatal :� 1 r r °l'cra'taawattu of my la4tivr', rnrl l ua5 I imihrn Nvith acid aeceltt the Al e " iR't lsa� itlrs s. r��istered til erit. 1 Rugislerea3 Agerar Sigaaatute; _. Aat.��a �y 60 k)s urcvxe; Brokerage Se; cos € FP NO, ` M --201 i -08 -FIR r rtide L' naSirri aancl rm1dress; of tI3ao.uirii; afi",.. Rachel A. tapo?.nik ?016 Miattta Bach, 1-1, :Q l ( Article VI # 1 ait� xi at for Ns Imoited Liability Compmy small be_ (Dale uF filing) ms's ,r. r�i��;�t�tsaaaa�tr4r�ntta�, fat: ��s� :�casta��i�cd���asit�aaa[��t' rtes r cam 61 Ins;ttronc.e Brokeroge ae,`vaces $fir °r' NO SM -201 1 -0 1-IR KI kF rt F 4 �rq �t i F4y v `tY v 4 y � cx a:. v W d 'ts c