Employee Benefits Brokerage Services
Jon P. Carroll
Van Meter Insurance
Van Meter Insurance combines years of experience with leading-edge products to provide exceptional service and
value to our customers. We provide a full range of brokerage services including employee benefits, property and
casualty, and financial and retirement.
Headquartered in Kentucky, we think globally but act locally, with personal services designed specifically for each
individual client. VMI shares information and resources with national networks of brokers to ensure we can meet your
every need, and find answers to your questions quickly and efficiently.
Our Value Proposition
Our goal is to achieve a long-term relationship focused on bringing value to your employee benefits management and
insurance programs. We are committed to utilizing our collective talent to support your insurance goals.
We promise to identify activities that drive claim frequency, and implement an action plan to control health care costs.
We will identify training needs and provide on-site assistance to actively address your health care costs and promote a
healthy work environment for your employees.
Carrier Analysis/Situation Analysis
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
challenging 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.
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. Van Meter Insurance will partner with you by providing
ongoing assistance, consultation, and service that will help you control your insurance expenses and promote health
Data analysis allows you to manage and reduce your claims activity. By analyzing your losses with a sophisticated data
analysis tool, we can help you develop cost containment strategies and employee communication campaigns that will
target areas with the highest potential to reduce high-dollar claims and high utilization.
Understanding the increased complexity of employee benefits is a challenge. Staying abreast of the issues you face
and developing strategies to meet the constant demands of business can give you a competitive edge. VMI’s
communication programs will help you stay on top of the changes affecting the employer group insurance industry and
consumer-driven employee programs.
Employee Benefits Services
Our range of value-added services includes delivering you custom solutions for all of your health care management
needs, including benefit plan analysis, contribution strategies, health & wellness education and training, claims
analysis, and developing employee policies and consumer-driven programs.
VMI is committed to keeping you and your employees informed. We can build and customize a wellness campaign
specific to your employees’ needs. Through our online services, we can deliver you payroll stuffers, posters, ready-to-
use employee newsletters, and educational brochures on health & wellness designed to help you drive consumerism in
Controlling your Pharmacy Costs
Did you know drug benefit costs are rising 15 – 20% per year, and account for 10 – 15% of total health care
expenditures? Repair your pharmacy benefits program with ZywaveRx™, from VMI. With ZywaveRx, we provide you
access to exclusive, extremely favorable terms for your pharmacy benefit plan that include discounts guarantees and
annual claims validation audits, along with expert resources and full savings analysis.
Education & Training
We provide exceptional service through our education and training opportunities. Our employee seminars are designed
to help educate employees, create health-conscious employees and reduce high claim utilization and high-dollar claim
expenses. They also provide an atmosphere for team building. Together, we can determine the topics that best suit
your needs. We also will provide you with educational articles and newsletters to keep you informed of hot benefits and
Legislative Briefs and Plan Design Concepts
Do you find it difficult to keep up with legislation affecting insurance, your industry, and your business? Do you need
help recognizing and assessing all the trends that may have an impact on your business? VMI’s Legislative Brief and Plan
Design concepts help you understand the latest issues affecting employee benefits insurance, and help you to address
We are committed to helping you offer collateral on all levels to your employees, including a complete employee
handbook. Our dedicated staff of professionals can help you develop and implement the employee policies to promote
a healthy culture for your entire workforce and maintain a positive work environment by offering solutions for your
organization’s human resource challenges.
Benefit statements are a successful and cost-effective tool that can assist you in delivering the value of your employer-
sponsored benefits to your employees. Your employees will have a greater appreciation and understanding of their
benefits, which can lead to improved recruiting efforts and higher employee retention.
Trying to control your claims experience can leave you feeling powerless. We can help. Our tools and resources help you
respond to, track, and manage losses as they occur. We can also analyze your aggregate loss history to determine
where significant losses are occurring, and develop strategies to mitigate them.
Employee Benefits Services
We extend many of our value-added services to you electronically through a Client Portal, your personal VMI Web site.
Here is just a sampling of the information that we can deliver to you via the site’s Collaboration Center:
Know Your Employee Benefits
Legislative Briefs HR Tools
Health Care Costs Series 2nd Edition: Is
EEOC Moves to Protect Retiree Benefits Employee Benefits Survey
Your Drug Plan Hard to Swallow?
Wellness Services Plan Designs
Live Well, Work Well
Think About What You Drink Health Savings Accounts
Healthy Portion Sizes
Handbook & Policies
Employer Education Articles & Newsletters
Employee Handbook with Linked
Table of Contents
Employee Benefits Services
At VMI, we continually look for innovative benefits management resources and value-added services to ensure your
customer satisfaction. We use state-of-the-art technology to deliver these products and services to you.
MyWavePortal® - We offer our clients access to a client portal which is a Web tool that allows you to receive information
from our agency online, participate in Employee Benefit surveys to find out how you compare to others from around the
country, and easily connect with a nationwide network of peers in your industry.
MyWaveHR® - How do you currently support your health & wellness initiatives? Whether you’re looking for ready-to-
print flyers that feature targeted health & wellness issues to employees, or searching for Medicare Part D information,
MyWaveHR combines information and collaboration tools, including two-way document posting, to help streamline your
everyday work tasks. You can quickly source insurance-related news, information, and resources 24/7.
MyWave®Benefits – How do you access your employer group benefits at a glance? MyWaveBenefits is your one-stop
information center that allows you to view your agency’s benefit plan information online.
MyWave Elements [INSERT ELEMENTS INFORMATION IF APPLICABLE]
Our HRconnection tool offers you access the most powerful HR communication system available, featuring more ways
for you to educate and empower your employees than any other site of its kind.
It is an easy-to-use employee Web site that serves as a custom company information and employee benefits expert.
For employees, it provides 24-hour access to company and benefits information from any computer with Internet
access. For employers and human resources personnel, HRconnection increases productivity and cost savings by
providing employee self-service and improving employee communication efforts.
Decision Master® Warehouse
Decision Master Warehouse (DMW) enables us to eliminate potential problems, find the underlying causes, and
determine effective solutions. Decision Master Warehouse’s Health Plan Management Report offers over 70 easy-to-use
and understand management exhibits to detect problems with your medical utilization or plan cost by comparing your
costs to national norms of similar employers. DMW’s powerful querying module, Drill-Down, analyzes the critical
components of your data in multiple ways. Drill-Down can answer nearly any question you may have regarding your
claims experience. These results will help you formulate focused strategies for reducing utilization and costs. DMW’s
Alternative Modeling allows us to experiment with plan design alternatives, and most importantly, determine how plan
changes can lead to savings.
Imagine taking the guesswork out of the benefits renewal process. Our PlanAdvisor tool allows us to analyze your
benefits plan costs against reliable benchmark information, project the impact of medical plan design changes, estimate
your renewal costs, and streamline the plan selection process for your employees.
MyWavePortal Collaboration Center
Click+Connect+Communicate •Our document posting capabilities
allow a seamless exchange of
information sharing from our agency
Welcome to a whole new way of working — MyWave®
•Accessible 24/7, postings from our
is your personalized Web site that allows you to
agency are timely, relevant, and easy
effortlessly click, connect, and communicate with Van to locate in one convenient place
It’s designed to offer you time-saving tools and
resources that build convenience into managing your
everyday work tasks. Whether you want to view •Participate in benefit plan and/or P&C
documents online, participate in plan/program
•Allows you to determine how your
surveys, or connect with over 200,000 peers in your plans and programs compare to other
industry, this is the place to be. It’s easily accessible, employers across the U.S.
hardworking, and just one of the many value-added
services available to you when you partner with us.
•Through MyWave® Community, you
have access to a vast and
knowledgeable network of colleagues
from across the country.
•Share information and resources via
the Community’s interactive forum
that allows you to post questions to
your peers, provide insight into other
users’ questions, and allows you to
track responses based on topics or
•Community postings are organized
by topic so you can source information
quickly and easily.
quot;The Community section allows us to easily find out what other
companies are doing in a variety of situations. I can get answers
quickly from other colleagues in the industry; the Community has
become my personal sounding board.quot;
Trevor, MyWavePortal User, Northeast
“MyWaveHR is an extremely valuable
resource for us. We particularly
appreciate the forms available in the
Legislative Guides and the newsletters
found in HealthShop.”
Julie, MyWaveHR Client User, Midwest
MyWaveHR : Your Electronic ® Command
When you need to resource
Human Resource Assistant information fast, the
Documents on Command
section of MyWaveHR
MyWaveHR is the helping Compliance
provides instant access to a
hand you need for all your Looking for quick answers to library of downloadable
Human Resource needs. tough legislative questions? articles covering a variety of
Whether you are looking for MyWaveHR’s Compliance has topics — exactly when you
Legislative information, the answers you’re searching need them! Articles are
employee communications, for. You will be directly conveniently grouped by
industry-related Web sites, linked to an exclusive set of general category and
or consumer-related comprehensive guides full of include: Benchmark Surveys
healthcare information, federal legislation. Complete & Statistics, Compliance &
MyWaveHR has it readily guides include COBRA, Plan Designs, and Employee
available for you in one easy, HIPAA, HIPAA Privacy, Communication & Education
convenient location. Section 125, and FMLA. — to help you easily locate
Within each guide, sections all the resources available to
include Related Articles, you. Or, use its keyword
Q&A, Forms, and Quick search function to find
Reference. A search function related documents.
is also available to help you
easily source information by
allowing you to browse all or
only particular sections MyWaveHR’s Resources
within each guide. provides useful links and
articles to industry-related
Web sites —all through the
convenience of your
MyWaveHR® homepage. In
addition, use the helpful
search function so you can
promptly find all the
information you are looking
for, as well as any related
documents from the
Documents on Command
section. And if you still
cannot find exactly what you
need, use the convenient,
“contact your broker
representative” help link. So
many helpful resources — all
at your fingertips.
Want consumer health-
related articles in
newsletters to give to your
employees in a snap? No
problem! MyWaveHR supplies
you with HealthShop —
information, in ready-to-print
newsletters. Topics include:
At the Doctor’s Office, At the
Pharmacy, Home Care, and
Your Health. Use these
newsletters to help your
employees make smart and
quot;We currently create plan summaries using
Excel for each of our clients.
MyWaveBenefits will now make this
available to them online and free up some
time for us.quot;
Kaye, MyWaveBenefits User, West Coast
MyWave®Benefits: Your Benefit Plan
MyWaveBenefits is your one-stop information center
that allows you to view your company’s benefit plan
Would it be helpful to know specific information about
information online. And to help simplify things even
the benefits elected by your agency such as monthly
more, we’ve stored all this valuable plan information in
fees? And how great would it be to know rate structure
one easily-accessible location—making it just a mouse
information? With MyWave®Benefits, this beneficial
information is just another valuable component you’ll
have access to, with the ease of a click of the mouse.
Benefit Plan Information
By clicking on the Rates tab within the plan type you
Want to be able to see the different plan types that your
selected, you’ll be provided with a detailed summary of
agency chose for the year? MyWaveBenefits can easily
the policy’s rate information including such valuable
provide you with this wealth of information.
information as rate structure, employee count, and rate
Once you select a plan type, the current related policies
will automatically appear, allowing you to view each
plan’s basic information. If you select a specific plan
type such as dental, you will be able to see that plan
broken down by plan type, year, and name, as well as
policy number, and issuing carrier.
You can drill-down and see even more detailed
information by selecting the Benefits tab – displaying
your agency’s current plan design.
Another great benefit is that the system holds plans
that are currently in place, in addition to prior plans,
allowing you to compare plan information from year to
Sample MyWave® Homepage
Brought to you by Van Meter Insurance
MyWaveHR is the helping hand for all your Human Resource needs.
Allows you to determine how your plans and programs compare to other employers across the U.S.
Share information and resources via the Community’s interactive forum that allows you to post
questions to your peers, provide insight into other users’ questions, and to track responses based on
topics or individual questions.
Two-way document posting capabilities allow a seamless exchange of information sharing and
collaboration. Users can download and share documents, make updates, and track a document’s
history – simplifying updates to reports, worksheets, questionnaires, and policies.
How does your current broker
What Van Meter Insurance Provides:
We provide access to virtually all insurance and administration markets.
We will develop a customized strategic plan for you that defines objectives and outlines the
actions needed to fulfill those objectives. Our strategic planning 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 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 are dedicated and committed to excellence in our service to the business community.
We use leading-edge technology to provide our customers with the latest data analysis,
legislative, communication, and human resources administration tools.
Actuarial When needed, we employ the services of professional actuaries to assist with calculations critical
Services to your employee benefits plans.
Using employee claim data from your carrier or TPA, our Internet-based Decision Master®
Data Analysis 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.
Our exclusive Legislative Brief publication summarizes recent federal legislative developments in
insurance and employee benefits including COBRA, HIPAA, HIPAA Privacy, FMLA, and Section
All of our clients receive access to a personalized Client Portal. The site is devoted to helping you
with plan administration, legislative compliance, employee communication, and more!
Through MyWaveHR®, we can assist you with all phases of employee communication, from
employee meetings to payroll stuffers and informative brochures about employee benefits and
HRconnection® is available to you exclusively from VMI. This Web-based tool is a complete
employee communication system that helps you improve communication, increase productivity,
streamline processes, and save money for your human resources department.
Through arrangements with two leading pharmacy benefits managers, we have access to national
pharmacy networks, significant discounts, pharmacy benefits modeling tools, and more.
Voluntary We have a experienced and highly knowledgeable staff who can help you with this growing and
Benefits important area of employee benefits.
When partnering with VMI, you gain access to professionals from all over the country through the
Community section on the Client Portal. An answer to a problem you have is just an e-mail away.
Community As an example, one client writes, “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 them time and resources.