ACA (Obamacare) impacts all groups over 50 full time employees for health plan design January 1, 2014 and with employer mandate to offer coverage to all full time employees effective January 1, 2015. Failure to offer benefits will incur fines. We can discuss all the options for your group on a case by case basis.
Larger businesses (50+ employees) have different rules for Major Medical (Health Insurance) and are fully underwritten. This means that insurance companies can refuse to quote if they decide that they cannot be competitive. Health Insurance company final rates depend on:
Demographics of your group
Health claims experience
Our strength in dealing with large groups comes from
Advising you how to set up your group to get the best, most affordable quotes
Helping to optimize your plan design to get your company or organization the most insurance benefits for the least premium cost.
We can also:
Be an extension of your Human Resources department by:
Conducting monthly enrollment meetings with new employees.
Open enrollment meetings with your employees at the annual renewal/open enrollment period.
This is an optional service we provide at no additional cost to your business.
Claims assistance for your employees maximizes your plans and their value. We know the usual claims problems large groups face.
Customize from the list, below, a large choice of Voluntary Benefit options that add to the benefits your employees may choose from at NO ADDITIONAL PREMIUM COST to your business.
Short Term Disability (STD)
Long Term Disability (LTD)
Accidental Death and Dismemberment
Hospital Indemnity Insurance
Specified Disease Insurance
Our services include an online benefits management, communication and enrollment package that vastly simplifies your benefits offerings. Contact us for more information.