Tru Benefits

Our comprehensive benefit portfolio includes discounts on: eyewear, eye care, prescription drugs, dental, chiropractic care, nurse hotline, phone counseling, doctor visits and more. We take great pride in our flexibility and through our administrator, TRUbenefits can private label and custom tailor the program to meet your specific needs. Our customers appreciate our ability to work with them every step of the way. The expertise of our administrator provides unsurpassed customer service, topnotch provider relations, timely 4-color on-site fulfillment production process, and innovative administration.

Selection Plan

Ultimate Technology
Choose the Individual Selection Plan and each individual can design their own package…

Prior to the launch of ISP by New Benefits Ltd, organizations had the arduous task of determining which benefits would be most beneficial for their members. ISP was specifically designed, by New Benefits President Terry Tullo, to eliminate this burdensome process by allowing members to select only the benefits they desire. Unlike other programs, our members can select any number and combination of benefits.

Individual selection is possible through technology available through New Benefits Ltd, that allows proprietary software to work in tandem with a high speed, color electronic publishing system that prints the membership cards. A state-of-the-art printer completes the membership package with provider listings.

Additionally, clients have many options in the graphic design of their full color membership card and welcome letter.

Traditional Option
Ideal for organizations wishing to offer a pre-determined package of benefits...

A more traditional approach to ancillary health benefits, New Benefits allows its clients to specify the exact benefit packages available to their members.

Clients may wish to offer the same package to all members (vision, dental and hearing, for example) or to give a choice of 2 packages (i.e. vision, dental and hearing or vision, pharmacy and hearing).

The standard ancillary discount health package on the market today includes pharmacy, vision, dental and hearing. If a prospective member already participates in a dental plan through his/her spouse's employer, the individual might be less inclined to purchase the package. Even though they might need the vision and pharmacy benefits, the dental portion could cause the prospect to pass on the entire package. Unlike other programs, the Individual Selection Plan gives members freedom of choice, creating a greater rate of participation.

Fulfillment

MEMBERSHIP FULFILLMENT PROCESS

New Benefits' fulfillment center has pioneered a customizable, fully automated membership fulfillment process with the ability to generate 3,000 membership cards per hour.

1.Proprietary software communicates directly with Xerox Docu-Color laser equipment to print cards (6 per sheet) welcome letters, and "How to use" benefit information customized by client and individual member.

2.Card sheets are fed into a laminator to apply a clear 20-millimeter thick lamination coating.

3.Laminated sheets feed directly into a die cutter that separates each member card producing 2 cards per member integrated on a mail ready card carrier.

4.Automated insertion equipment then marries the membership cards with the customized "Welcome letter", "How to use" benefit information to form the complete membership packet for each individual.

5.Each packet is mailed in a unique double window envelope showcasing the membership card design for a custom look.

Custom Card Design

LAMINATED MEMBERSHIP CARDS AVAILABLE THROUGH NEW BENEFITS

Versatility and 4 color, Customized design . . .

· Full color laminated card - designed to your graphic specifications*

· Integrated card carrier with up to 2 cards per member

· The card is showcased in a window envelope for a custom look without the expense of pre-printing

· Completely automated card printing and lamination process capable of producing 3,000 fulfillment packages per hour

· This fulfillment process was created for clients offering the Individual Selection Plan, but may be used with either marketing strategy

* Custom design available for an additional per-hour design fee

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Membership Support

TRUbenefit's Call Center

Our administrator maintains a fully functional call center capable of managing numerous customized and general toll-free numbers answered by trained representatives. In addition to multiple T-1 lines capable of accommodating concurrent volumes of incoming calls, the call center utilizes a self-monitoring call management system with automatic call distribution.

The call center maintains a full-time, trained staff of member service representatives available to handle virtually any member request Monday through Friday from 7:00 am to 7:00 pm Central Time and Saturday from 8:00 am to 5:00 pm Central Time.

The continuous quality of client and member services is ensured through:

· Random monitoring of inbound and outbound calls

· Daily telephone reports printed and distributed to each member service representative

· Weekly telephone reports tracked and analyzed by the senior staff

· Continuous formal and informal representative training in the form of classes on customer service, phone techniques and teamwork

The telephone monitoring system captures the number of incoming calls, calls to voice mail, calls that overflow from other departments, abandoned calls, average hold time and the number of calls over the acceptable hold time service level. 99% of incoming calls are answered within 3 seconds by our phone system.

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Choosing a Company

Choosing a Non-Insurance Health Program: Six Tips to Evaluate the Industry's Best.
by Terry Tullo, President of NB Ltd. Reprinted with permission of New Benefits.

One of the hottest health benefits categories today is the non-insurance discount program, and there is stiff competition in the field. However, for companies thinking about adding this type of program to its portfolio, it's often hard to see the forest for the trees. That's because the discount benefits business provides easy entry for many companies. It's a young industry, so regulations are still being defined. No inventory is required. And, often, a glossy sales brochure opens a prospect's door. So how can companies fully inform themselves of the best programs available nationally?

Consider these six tips in conducting a proper due diligence review:

Tip #1 - Look for longevity in the business. Although discount programs emerged in the mid-1990s, there are a handful of pioneers around. These are companies that not only have developed substantive programs, but also have the maturity, knowledge and experience that comes from being pioneers. They know what is required to respond to client's needs.

Tip #2 - Visit the company. Check out the "brick and mortar" location. Find out who and what's behind the slick sales presentation. Will you receive the vital support that makes a discount program run smoothly? Can the company support turnkey operations from start to finish by providing on-site customer service, network development, administration and fulfillment? To be efficient, back office support for these operations is vital, and the quality and commitment of the company personnel often reveal the competency of the organization as a whole.

Tip #3 - Study the benefits. Look at the size of the network, the quality of the benefits, and test the program. Get a sample membership card. See how efficiently the program works. Look for substantial savings and money back guarantees. Then, ask how the plan provider is different or better than what the competition is offering. This should be at the heart of a good due diligence test. In terms of pharmacy benefits, be sure to inquire about whether or not the plan provides an "open formulary." An open formulary allows doctors to prescribe the most effective medication to treat a patient's illness or injury, which ensures the best medical care while containing health care costs. Many mail order programs are closed formularies. Closed formularies can limit access to quality or experimental drugs for critically or chronically ill patients with diseases like Alzheimer's and cancer.

Tip #4 - Compare value and price. If the benefit is low or without cost, and there's no real value for the member, reconsider the options. Although a program may be "free," it may not save a member money most of the time. When value is the chief selection criteria, expect to pay something because a company that provides value must support the infrastructure for that product. It's the old adage, "You get what you pay for."

Tip #5 - Look for flexibility and the capability to customize the program. Be sure the company can tailor a program that meets your needs. For example, can the benefit company tailor programs to allow individual members to select only the benefits they need versus buying a pre-determined bundled package where one or more benefits may be of little or no value to the enrollee? Ask these additional questions, too:
1) Can the company incorporate other non-health related products into the fulfillment process so the overall program is cohesive and comprehensive?,
2) Can the company private label the membership materials?,
3) What technology is available to fulfill and process membership cards and benefit summaries?,
4) What vehicles are available to access up-to-date provider listings such as 24 hour VRU or over the Internet?

Tip #6 - Ask for customer testimonials. If members are happy with their program, they're going to write or talk about it. Customer testimonials also often reflect retention rate. At the heart of a successful program is a satisfied customer. Check client references. An impressive client list doesn't always mean the references are satisfied. Premier providers of non-insurance health benefits programs set the standards for the industry. By following these due diligence recommendations, chances are you will be more than pleased with your decision and the quality of the program in the long-run.

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