ABA provides customized benefits solutions and administration services to companies to help them reduce costs and streamline HR functions. By partnering with ABA, clients can outsource benefits management to focus on their core business while ABA handles tasks like building benefits packages, monitoring legislation, and addressing employee issues. ABA representatives meet with clients regularly and provide an employee call center and online portal for assistance. For self-funded clients, ABA has consolidated plans, increased discounts and savings, and implemented wellness programs. For fully-insured clients, ABA has negotiated substantial savings on renewals without changing benefits. ABA delivers cost savings and service solutions for both self-funded and fully-insured clients.

1. The Company
Advanced Benefits Advisors provides a boutique approach to your benefit needs. Customized solutions, not one-size-fits-all
plans, are what ABA crafts to meet the specific challenges of its clients.
By partnering with ABA, our clients outsource the benefits-management function, allowing the companies to focus on what
they do best -- run their own businesses. Using ABA's services, a company soon realizes it:
Streamlines human resource staffing,
Delegates the overwhelming task of building a benefits package, and
Eliminates the need to monitor the endless stream of legislation affecting health and welfare benefits
With a combined 26 years of experience, ABA is able to assemble cost-effective plans tailored to meet the specific needs of
each client. Our strategies can eliminate inefficient spending and reduce the amount of revenue spent on a benefit package.
What’s more, our clients' healthcare cost increases are less than half of clients of our competitors.
The Support
To Human Resources
The Deliverables
Assistance with Claims Issues for HIPAA
Compliance
Conduct Open Enrollment Presentations
Customized Employee Communications
Facilitate Plan Changes and Carrier Notifications
Dedicated Service Managers
“Best Practice” Administrative Outsourcing
Capabilities
To your Management Team
Cost Control
Claims Analysis
Contribution Analysis
Benefits Marketing and Negotiation
Our Service to your Employees
Employee Call Center
Employee Web Portal
Claims Advocate
Education on their Benefits and their Value
The Difference
Face-to-face client meetings, four per year - Not merely a voice on the phone, an ABA representative will meet with your
team to help look ahead at potential problems as well as fix any that may have occurred.
The call center - The ABA call center is available to employees and employers for any issues that arise -- from the simple to
the complex.
Technology - Our Internet web portal is a 24-hour, seven-days-a-week resource that allows clients to get answers without
phone calls and outside of business hours.
The client marketing forum - A ready-made "rolodex" of potential new customers, as the forum provides ABA's clients the
ability to market each other.
For more information, please contact John Romaska at (856) 382-2811.

2. Delivering Cost Savings & Service Solutions
Self Funded Clients
1,200 Employees Consolidated 4 separate health plans, enhancing network access and reducing costs.
National Increased claims discounts by 12% ($700,000)
Steel Industry
Carved out the Prescription Drug Plan, resulting in a 10% savings ($323,000).
Streamlined administration by dramatically reducing the number of managed plans.
Introduced an employee call center and one point of contact for the benefit administrators.
600 Employees Identified network with better discounts (and minimal disruption) resulting in additional 30% discounts
NJ Based ($1,600,000).
Long Term Care As a result of the claims savings, negotiated a reduction in cost of stop loss insurance by 40%
($460,000).
Minimized employer liability in stop loss contract, negotiated a PAID contract from a 24/12.
Switched Prescription Drug Plan to a new TPA saving 30% ($300,000).
Negotiated savings over $1MM on hospital claims incorrectly adjudicated by prior TPA.
Conducted a dependent audit which resulted in 50 unauthorized dependents coming off the plans.
Implemented a Disease Management Program using Rx and Medical data.
250 Employees Through negotiation, reduced cost of stop loss insurance by 21% ($100,000).
NJ Based Implemented appropriate stop loss contract to eliminate potential claims liability (present in previous
Manufacturing contract).
Implemented a Wellness strategy in order to reduce future costs.
Managed relationship between client and carrier, resulting in better results for all parties.
Provided employee call center to handle benefit questions and claims issues.
Fully Insured Clients
350 Employees Became Broker of Record 30 days prior to renewal and negotiated a 16% ($200,000) savings
PA Based off of renewal with no plan changes. Negotiated 15% 2nd year rate cap on health plan.
Manufacturing Achieved a 10% reduction on life and disability plans. (with no benefit changes)
Company Introduced employee benefit portals with all plan information as well as new HR technology.
New employee call center now handles benefit questions and claim issues, allowing the HR
staff to focus on core competencies.
115 Employees Obtained claims experience and negotiated an 11% ($116,000) savings off of medical renewal
PA Based with IBC without any plan changes.
Actuarial Firm Negotiated a 10% ($16,000) savings off of dental, Life & LTD renewal with no benefit changes,
provided a true disruption report through our employee survey technology.
Implemented Full Benefits Administration providing online enrollment, consolidated billing and
reconciliation.
Handled Open Enrollment Meetings to educate employees on the value of their benefits.
300 Employees Negotiated a 12% ($300,000) savings off of medical renewal with Horizon without any changes.
NJ Based Negotiated an 18% ($19,000) savings off of long term disability plan.
Wholesaler/ Provided short term and long term strategies for cost control, managed at quarterly meetings.
Distributor
Employee call center handles benefit questions and claim issues, allowing the HR staff to focus
on core competencies.