Group Insurance

We Shop. You Save.

For your group policies:

HEALTH	DISABILITY

Design a benefits package to meet your requirements:

	Analyze and identify your needs.
	Evaluate current plan benefits and rates.
	Compare benefits and rates of plans available from various carriers.
	Make recommendations of plan design changes to achieve your goals.
	Suggest various strategies, and levels of employer contributions to improve employee participation, satisfaction, and retention.
	Negotiate with carriers for rate relief and/or benefit enhancements.
	Provide a comprehensive written comparison of plans being recommended for consideration.

Plan Inception Services:

	Implementation of plan.
	Enrollment of employees at plan inception (English/Spanish).

Annual Services:

	Annual review and comparison of existing plan with other plans.
	Negotiation of renewal rates and benefits with incumbent carrier.
	Facilitate transition from one carrier to another if a change is warranted.

Perpetual Services:

	Enrollment of newly hired employees as they become eligible.
	Claims resolution services.
	Liaison between your employees & insurance carriers.
	Evaluate & compare individual plans available to the dependents of employees who find dependent coverage under the group plan too expensive.
	Toll free 800 number available.
	Discuss benefits available to the member prior to the member receiving non-emergency services to ensure member receives utmost benefits.

Online Services:

Our website provides easy access for your employees to contact us, and provides links to the insurance carriers who currently have online capabilities.

Legislative Services:

	COBRA: Provide information, assistance, research, and administrative services.
	HIPAA & FMLA: Provide information, assistance and research services.

Health Savings Account

How does an HSA work?
You obtain a qualified high deductible health insurance plan (Medicare is not HSA qualified). The premiums for these plans are lower because of the high deductible. You deposit the money you save on premiums into a tax-favored savings account. The money in the savings account can be used to pay for qualified medical expenses that are less than the deductible on the insurance plan. The insurance pays benefits after the deductible has been met.

Who funds the savings portion of an HSA?
The savings account can be funded by contributions made by the employee, the employer, or a combination. Any contributions made by the employer are immediately vested to the employee.

What is a qualified high deductible insurance plan?
It is a health plan with a minimum deductible of $1000 for self-only coverage and $2000 for family coverage.

What happens to the funds in the savings account?
If the funds in the savings account are not used to pay for medical expenses, the money will accumulate tax-deferred until retirement.

Who Qualifies for an HSA?
Businesses and individuals with a qualified high deductible insurance plan qualify for an HSA.