With the pressure to control healthcare costs, guesswork in designing and managing benefits plans is no longer an option. Gallagher Benefit Services bases all of our consulting recommendations on exhaustive research and data analysis. Our analytical services are designed to help employers develop and maintain a successful benefits strategy over the long-term. We uncover fundamental cost drivers for your plan and target the specific problem areas with focused programs. Our data modeling techniques help determine needed plan and network design changes and accurately forecast future plan costs.

Actuarial Services
Gallagher's internal actuaries are recognized as some of the nation's leading insurance analysts. As a result, our consultants are able to bring to clients scarce expertise and tools of exceptional value. Our services include:

	Predictive modeling of plan designs for cost/benefit optimization
	Employee sensing surveys for cost/benefit optimization (usually combined with predictive modeling)
	Benchmarking of benefits and programs for industry and geographic comparisons
	Actuarial tests of return on investment for health risk and disease management programs
	Actuarial tests of various aspects of vendor performance, including provider networks, Third Party Administrators (TPA), and Prescription Benefit Managers (PBM)

Reporting & Auditing Services
Continuous tracking, examining and reporting of claims activity is an integral part of our consulting service. Our underwriting and reporting staff regularly publishes custom reports giving you factual insight into the dynamics of your plan's performance.

We also conduct periodic claims experience audits to uncover areas of over-utilization. Based on the findings of our reports and audits, we formulate recommendations of targeted programs, tools or plan design innovations.