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The Affordable Care Act (ACA) has dramatically changed the landscape of the health insurance market. Our benefits department professionals are experts in health benefits compliance and will make sure you are fulfill all of your obligations.
Managing your healthcare plan is not a short term proposition. Utilizing discipline and long term vision, we help our clients maintain stability despite the volatile marketplace. Our competitive data and our strong relationships with the carriers help us to negotiate and leverage the best pricing available so that we can renew your account in a cost-effective manner.
The benefits landscape is full of legal potholes for any employer. The Affordable Care Act (ACA) brings a myriad of notification requirements and deadlines for all employers. This is in addition to annual re-certifications, federal COBRA, state continuation, and ERISA. We will make sure you understand all your obligations as a plan sponsor.
It’s no secret that the cost of healthcare has been spiraling out of control in recent years. Employers have been hard pressed to keep up with this pace of inflation. More and more, cost has been shifting from employer to employee. Establishing the proper employee payroll deductions has become a very critical business decision. Utilizing our extensive experience and innovative strategies, we can help you find the right balance of affordability and employer benevolence. You can still attract and retain high quality employees while watching your bottom line.
The key to a successful open enrollment campaign is an effective employee communication strategy. Whether you are changing carriers or just making simple plan changes, it’s always a good idea to provide your employees with some formal communication. It can consist of a series of employee meetings that we host or quite simply an employee memo that we prepare for you. A clear, concise employee communication plan will help your employees maximize their benefits while increasing their employee satisfaction.
This sets us apart from our competitors. Many times, insurance carriers will not adjudicate claims properly or will pend claims for missing information. When these situations arise, we encourage our clients to notify us so we can help facilitate accurate and timely claims processing. We can even help our clients file appeals in the event that a claim is improperly denied.
We pride ourselves on our responsiveness to our customers. We will always get back to you in a timely manner and will always follow through to make sure the insurance carriers follow through on their obligations. We always fight for our clients. It’s this customer-first attitude and professionalism that has created strong customer loyalty and enabled us to maintain an unprecedented level of client retention.
In recent years, the Small and mid –size employer market has seen a shift towards level funded (a form of self-insurance) health plans. These level funded plans provide more plan flexibility, easier administration through composite billing, sharing of claims data, more competitive pricing and the ability to share in any claims surplus., These popular plans are now being offered to groups as small as 5 lives, and in some cases even down to 2 lives.
Health Saving Accounts (HSA) and Health Reimbursement Arrangements (HRA) still remain popular with certain organizations. These tax favored funding vehicles can dramatically cut the cost of your healthcare plan. But, it does require careful and thoughtful planning. Clear employee communication is also critical. We can evaluate these plans for you to see if they make sense for your organization.
ICHRA’s are a modern approach to group health insurance that allows employers to reimburse employees for individual health insurance premiums and other qualified medical expenses. They offer a flexible and budget-friendly alternative to traditional group health insurance plans. We can evaluate this progressive approach to see if it make sense for your organization.