Health Benefits

Health Benefits Solutions

Life happens – needs constantly change! You need a benefits plan that keeps pace. Whether an individual, small or large group, we tailor solutions to meet your specific requirements.

Individuals

We offer a variety of options to protect individuals including medical, life, long-term care, Medicare supplements, Advantage Plans and much more.

Group Protection

We provide innovative benefit solutions, financial transparency, comprehensive services and a team approach to managing your benefit program. Our associates – with their knowledge, experience and dedication to our clients and their employees – make the difference!

Our group consulting and service model is build on five key strategic foundations to help you administer health benefits.

Health Benefits Model

Small Group (Fewer than 50 Employees)

Cost Management

We help employers discover creative solutions to manage today’s challenge of ever-increasing healthcare costs.

  • Effective benefits design with focus on consumer-driven health plans
  • Self-insured solutions: level funded ASO
  • Employee financial security with focus on the big four: medical, life, disability, retirement
Benefits Administration Technology

Technology is now driving healthcare, hospital systems, the insurance marketplace, federal exchanges and the future. Our Choice Benefits Marketplace technology provides:

  • ACA sections 6055 and 6056 reporting
  • Online benefits administration
  • Local implementation and year-round support
  • Online benefits enrollment for employees
  • Standard reporting
ACA Compliance

The ACA is complex and businesses are concerned they may not be complying with the law. We are experienced in ACA compliance and monitor changes in the law.Employee Engagement

Employees need to be engaged and educated in their new consumer role. We guide them through the choices, lay out the associated costs and help them understand the need for change.

  • Employee “skin in the game” defined contribution programs
  • Employee as the new consumer and buyer – shift to multiple medical plans and cost options
  • Education on shift to qualified high deductible health plan (QHDHP) and HSA
  • Education on shift to self-insured solutions
HR Support

ACA, HHS, IRS, DOL, CMS and FMLA…regulations continue to be more burdensome! We assist clients in becoming and remaining compliant.

  • ERISA compliance, plan documents
  • Plan design and discrimination testing
  • HIPAA, COBRA, ADA…to name a few
  • ACA requirements, notices, tracking
  • Employee rights and employer obligations

Large Group (~50+ Employees)

Cost Management

We help you discover creative solutions to manage ever-increasing healthcare costs while still providing financial security to your employees.

  • Medical plan cost management
  • Analytics using Decision Master Warehouse to pinpoint cost drivers, benchmark claims data and uncover cost-saving opportunities
  • Self-insured solutions: level funded ASO, captives and consortium solutions
  • Actuarial claims analysis for groups 100+
  • Effective benefits plan design with a focus on consumer-driven health plans
  • Employee financial security with focus on the big four: medical, life, disability, retirement
Benefits Administration Technology

It’s projected that by 2016, 80% of employers with 50-300 employees will need to automate HR, benefits and payroll functions. Technology continues to be a driving force in healthcare, hospital systems, the insurance marketplace, federal exchanges. Through our Choice Benefits Marketplace solution®, we provide:

  • ACA Sections 6055 and 6056 reporting
  • Customized online benefits administration and reporting
  • Online benefits enrollment for employees
  • Customized HRIS and integrated payroll
  • Local implementation and support
ACA Compliance

The ACA is complex and businesses are concerned they may not be complying with the law. We are experienced in ACA compliance and monitor changes in the law.

  • Pay or play and employer shared responsibility rules for 2015 and beyond
  • Cadillac tax calculator and strategic planning for 2018
  • Sections 6055 and 6056 reporting
  • Compliant ACA plan design
  • Your dedicated ACA partner
Employee Engagement

Employees need to be engaged and educated in their new consumer role. We guide them through the choices, lay out the associated costs and help them understand the need for change.

  • Education on shift to qualified high deductible health plan (QHDHP), HSA and self-insurance
  • Employee as the new consumer and buyer shift to multiple medical plans and cost options
  • Employee “skin in the game” defined contribution programs
  • Comprehensive communications campaign through enrollment meetings, Q&A sessions and call support
HR Support

ACA, HHS, IRS, DOL, CMS and FMLA…regulations continue to be more burdensome! We assist clients in becoming and remaining compliant.

  • ERISA compliance, plan documents and form 5500 compliance
  • FMLA, HIPAA, COBRA, ADA…to name a few
  • ACA requirements, notices, tracking
  • Plan design and discrimination testing
  • Employee rights and employer obligations
Contact a Health Benefits Representative for More Information

Individuals and Small Group
Kim Ly
717.381.2462
Email

Large Group (50+ employees)
Matt Pfeiffenberger
717.381.2120
Email

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