Benefits Advantage
Solutions
We are a collaborative broker with the mission of differentiating producers from the competition through the introduction of new and innovative programs while providing the tools, knowledge, and support necessary to expand and protect their business.
Strategy
Your Benefit Advisor is supported by Benefits Counsel and panel experts offering years of invaluable experience, spearheading innovations in an evolving industry
Sales
Our team supports you with sales strategies and guidance to see new business, including direct assistance with large group opportunities.
Service
Your Benefit Advisory Team provides reliable day-to day support as a dependable resource for carrier and product knowledge to help you install, service and renew your accounts
Belpointe
Specialty Insurance Partners Group
How We Work Together
We manage carrier relationships and provide executive level support for key business initiatives with our producer partners.
Your business team begins with a Benefits Executive and Marketing Service Consultant who provide you the expertise necessary to sell and service accounts as well as coordinate product service support.
Our resources and tools allow you to provide your clients with products that go beyond group medical.
Your Solutions Dashboard
SERVICE CONSULTANT
Provides day-to-day services that include acting as your carrier liaison for processing status, case submission management, renewal quoting. Assistance, and resolving support issues.
SERVICE CONSULTANT
Provides day-to-day services that include acting as your carrier liaison for processing status, case submission management, renewal quoting. Assistance, and resolving support issues.
SERVICE CONSULTANT
Education on the latest industryand legislative news in partnershipwith Benefits Counsel
SERVICE CONSULTANT
Linked products
SERVICE CONSULTANT
Access to financial product accountmanagement on an entity andindividual basis
BENEFITS EXECUTIVE
Isaac will help guide you through the complexities of employee benefits, present our newest offerings, and strategize on, product and marketing to grow your book of business.
.png)
SERVICE CONSULTANT
Provides day-to-day services that include acting as your carrier liaison for processing status, case submission management, renewal quoting. Assistance, and resolving support issues.
DISSABILITY
Linked products
ADVISORY
Access to financial product accountmanagement on an entity andindividual basis
.png)
BENEFITS EXECUTIVE
Isaac will help guide you through the complexities of employee benefits, present our newest offerings, and strategize on, product and marketing to grow your book of business.
.png)
MEDICARE
Experts and technology to
help you capitalize on the
market’s growing demand
help you capitalize on the
market’s growing demand
.png)
RISK TRANSFER
Captive and traditional property &
casualty risk identification and
transfer solutions
casualty risk identification and
transfer solutions
.png)
ANCILLARY
Increases your revenue
through employer sponsored
and/or voluntary products
through employer sponsored
and/or voluntary products
.png)
SPECIALTY
Vendor solutions including MEC
& MV products, PEO’s
Consortium, Wellness and more
& MV products, PEO’s
Consortium, Wellness and more
.png)
MARKETING
Develops resources to
enhance your lead generation
and client engagement
enhance your lead generation
and client engagement
.png)
SMALL GROUP QUOTE TO ENROLL
Quote to enroll technology is available through a medical service consultant for the small group marketplace. The system is an all-in-one solution for ACA medical and ancillary plans, allowing us to quickly create multi-coverage proposals. Upon plan selection, we can automatically generate an enrollment portal for the employer and their employees.
.png)
BROKER TRANSPARENCY
Effective December 27, 2021, Federal Law required that health insurance agents and broker disclose to their individual and groupHealth clients the compensation they expect to receive and a description of the services they will provide in return.A compensation disclosure report will be generated for your clients that ensures compliance on all compensation information as well as enabling you to be more proactive in communication with clients.
Carrier Contracts
SIPG has access to all available medical carriers in our core markets and is growing our carrier representation in our expanding markets.
CARRIER EXPERTISE
For each carrier, a liaison is assigned. The liaison carrier specialist is responsible for maintaining superior product and technical knowledge. These experts disseminate information internally and externally.
OUR MEDICAL CARRIERS INCLUDE:
ACEC
Aetna
Alina Health Aetna
Allied National
AmeriHealth
Anthem Blue Cross Blue Shield
AXA
Banner Aetna
Blue Cross Blue Shield
Blue California
Cal CPA Health
California Choice
California Dental
Capital Blue Cross
CDPHP
Choice Builder
Cigna
Companion Life
Crumdale / Franklin Health
Self Funded
Dearborn National
Dental Select
ACEC
ACEC
Aetna
Alina Health Aetna
Allied National
AmeriHealth
Anthem Blue Cross Blue Shield
AXA
Banner Aetna
Blue Cross Blue Shield
Blue California
Cal CPA Health
California Choice
California Dental
Capital Blue Cross
CDPHP
Choice Builder
MVP
National General
Nippon
Oscar
Oxford
Principal
Restaurant & Hospitality Assoc
SHARP
Trustmark Benefits
UHC Level Fund
Geisinger Health Plan
Guardian
Harvard Pilgrim Health Care
Health Alliance
Health Benefit Alliance
Health Pass
Health EChoice
Health First
Health Net
Healthiest You
Highmark Blue Cross Blue
Shield
Highmark Blue Shield
Highmark Northeastern NY
Highmark Western NY
Horizon Blue Cross Blue Shield
Humana
Vendor Partnerships
An array of third-party partnerships are available to provide you with products, services, and solutions from trusted sources. These partnerships help you deliver the level of service and support needed to compete in today’s group marketplace.
DIGITAL MARKETING
MEC Benefits marketing support, allowing you access to professionally designed marketing material private labeled to you
Compliance approved client ready content. Email campaigns can be modified allowing you to customize the perfect message. Content is leveraged from carriers and vendors with oversight from your Benefits Executivematerial private labeled to you
Benefit Advisor
Our approach is geared towards attracting and retaining accounts.
In partnership with our Benefit Executive you have two options on the placement of your accounts. In either model you gain access to an infrastructure of sales resources to help secure new business and up-market for larger cross sell opportunities
Option 1
You are the producer on the account and agent of record. You will be the contact for the insured for any service, and are obligated to be at the sales presentation. Benefit Executive will act as your wholesale liaison with carriers and vendor partners.
Option 2
You are a referrer. You receive a finder’s fee payment first year and referral level renewal commissions, you are not the contact for service and are not the contact for service and are not obligated to make the sale proposal. Under this option we remove the burden of day-to-day account management by providing first-class service and support directly to your clients on your behalf.
Client managment
Client management is centered around four categories:
Managment
Clients receive Panel Account Management Service, ensuring a road to success with a 12 Month service calendar, enabling the team to provide continual service and administration of the benefits program within the service is contract level selected.
Enrollment
Service Consultant and Benefit Executive willWork in partnership with the Panel AccountManagement Service Team to implement clients enrollment mechanisms per the requirements ofthe case such as communication tools, employee hotline, benefit guidebook and enrollment system from and work to ensure tools are in place for clear communication of plan information to clients employees
.png)
Consulting
A Panel Account Management Service Team is established through a consultative development process through a deep understanding of marketplace health care reform and financial products. A strategy is developed for multi-year cost containment, all leading to a successful employee benefits program
Managment
Legislative experts forming part of the Panel Account Management Service Team provide insightful guidance to help your understand and plan for employer responsibilities arising from new legislation and administration changes arising health care reform.
Group benefits
FULLY INSURED HEALTH INSURANCE
level funded health insurance is a type of health insurance plan that combines features of both self-funded and fully insured plans. It is primarily designed for small to mid-sized businesses that want the potential cost savings and flexibility of self-funding while still having some of the financial protection and predictability offered by fully insured plans.In a level funded health insurance arrangement, the employer pays a fixed premium to an insurance carrier. This premium is divided into two components: a portion that covers the expected healthcare claims of the employees and a portion that serves as a reserve or risk pool. The reserve portion is used to pay for any claims that exceed the expected amount.
Here are the key characteristics of level funded health insurance:
Here are the key characteristics of level funded health insurance:
1.
Premiums:
Policyholders pay regular premiums, typically on a monthly basis, to the insurance company. The premium amount is based on various factors such as the level of coverage, the number of individuals covered, age, and location.
2.
Benefits and Coverage:
The insurance policy outlines the specific benefits and coverage provided to the policyholder. This may include preventive care, hospitalization, prescription drugs, laboratory tests, and other medical services. The details of the coverage are usually specified in the policy documents and are subject to the terms and conditions of the insurance contract.
3.
Network Providers:
Insurance companies often establish networks of healthcare providers, such as doctors, hospitals, and specialists, with whom they have negotiated contracts. Insured individuals are encouraged to seek care from these network providers to receive the highest level of coverage and minimize out-of-pocket costs. However, some plans may also offer out-of-network coverage, albeit with higher deductibles or coinsurance.
4.
Deductibles and Cost-Sharing:
Fully insured plans typically involve cost-sharing arrangements between the policyholder and the insurance company. This may include deductibles (a specified amount the policyholder must pay out-of-pocket before insurance coverage kicks in), copayments (fixed amounts paid for each healthcare service)
LEVEL FUNDED HEALTH INSURANCE
level funded health insurance is a type of health insurance plan that combines features of both self-funded and fully insured plans. It is primarily designed for small to mid-sized businesses that want the potential cost savings and flexibility of self-funding while still having some of the financial protection and predictability offered by fully insured plans.In a level funded health insurance arrangement, the employer pays a fixed premium to an insurance carrier. This premium is divided into two components: a portion that covers the expected healthcare claims of the employees and a portion that serves as a reserve or risk pool. The reserve portion is used to pay for any claims that exceed the expected amount.
Here are the key characteristics of level funded health insurance:
Here are the key characteristics of level funded health insurance:
.webp)
1.
Fixed Premiums:
Employers pay a set premium amount each month, which is determined based on factors such as the number of employees enrolled, their age, location, and the anticipated healthcare utilization. This premium amount is typically lower than the premiums of fully insured plans, as it does not include the profit margin or risk charges typically associated with fully insured plans.
2.
Claims Funding:
The portion of the premium allocated for claims is used to cover the expected healthcare expenses of the enrolled employees. This amount is determined by analyzing the historical claims data and demographic information of the employee population. If the actual claims are lower than the funded amount, the excess funds may be returned to the employer or carried forward to offset future premium costs.
3.
Stop-loss Insurance:
Level funded plans also incorporate stop-loss insurance, which provides protection against high-cost claims. There are two types of stop-loss insurance: specific stop-loss and aggregate stop-loss. Specific stop-loss coverage protects the employer against individual high-cost claims, while aggregate stop-loss coverage safeguards against high overall claims for the entire employee group.
4.
Risk Pool:
The reserve or risk pool is established to cover any claims that exceed the expected amount. If the claims expenses for the year exceed the funded amount, the insurance carrier dips into the reserve pool to pay for those additional costs. This feature provides financial protection to the employer, limiting their liability and potential financial risk.
5.
Flexibility and Control:
Level funded plans offer more flexibility and control compared to fully insured plans. Employers can customize the plan design, select specific benefit options, and have access to claims data and utilization reports to make informed decisions regarding cost management and employee wellness programs.
It's important to note that level funded health insurance may not be available in all states or for all employer sizes. It is advisable for employers considering level funded plans to carefully evaluate their specific needs, financial situation, and consult with insurance professionals to determine if it is a suitable option for them.
SELF FUNDED
Self-funded health insurance, also known as self-insured health insurance, is a type of healthcare coverage in which an employer or organization takes on the financial risk of providing healthcare benefits to its employees. Instead of purchasing a fully insured plan from an insurance company, the employer assumes the responsibility for funding and administering the healthcare benefits directly.
In a self-funded health insurance arrangement, the employer collects funds from employees, either through payroll deductions or other means, to cover the anticipated healthcare costs. The employer then uses these funds to pay for the employees' medical claims as they arise. The employer may also set up a separate account, known as a claims reserve or trust, to accumulate funds and ensure the availability of funds to cover claims.
Here are the key characteristics of self-funded health insurance:
In a self-funded health insurance arrangement, the employer collects funds from employees, either through payroll deductions or other means, to cover the anticipated healthcare costs. The employer then uses these funds to pay for the employees' medical claims as they arise. The employer may also set up a separate account, known as a claims reserve or trust, to accumulate funds and ensure the availability of funds to cover claims.
Here are the key characteristics of self-funded health insurance:
.webp)
1.
Financial Risk:
With self-funded health insurance, the employer assumes the financial risk associated with providing healthcare benefits. This means that the employer is responsible for paying the medical claims of its employees, rather than relying on an insurance company to cover the costs. This can potentially lead to cost savings if the actual claims expenses are lower than the premiums paid to an insurance carrier.
2.
Customization:
Self-funded plans offer greater flexibility and customization options compared to fully insured plans. Employers have the ability to design the plan according to their specific needs and preferences. They can tailor the benefits, cost-sharing arrangements, provider networks, and other plan features to align with the requirements of their employee population.
3.
Stop-loss Insurance:
To protect against catastrophic or high-cost claims, employers often purchase stop-loss insurance. Stop-loss insurance provides a safety net by limiting the employer's liability and financial exposure in the event of excessive claims expenses. There are two types of stop-loss insurance: specific stop-loss and aggregate stop-loss. Specific stop-loss coverage protects the employer against individual high-cost claims, while aggregate stop-loss coverage safeguards against high overall claims for the entire employee group.
4.
Claims Administration:
In a self-funded plan, the employer is responsible for the administration of the healthcare benefits. This includes managing the enrollment process, coordinating with healthcare providers, processing and paying claims, and handling other administrative tasks. Some employers may outsource these administrative functions to third-party administrators (TPAs) who specialize in managing self-funded plans.
5.
Transparency and Control:
1. Self-funded plans provide employers with greater visibility and control over their healthcare costs. Employers have access to detailed claims data and utilization reports, which can help them identify cost drivers, implement cost-containment strategies, and promote employee wellness programs. This information can empower employers to make data-driven decisions and effectively manage their healthcare spending.
It's important to note that self-funded health insurance is subject to certain regulatory requirements, including compliance with federal laws such as the Employee Retirement Income Security Act (ERISA) and the Affordable Care Act (ACA). Employers considering self-funding should carefully evaluate their financial stability, potential risk exposure, and legal obligations before adopting a self-funded health insurance plan. Consulting with legal and insurance professionals is advisable to ensure compliance with applicable laws and regulations.
VISION INSURANCE
Vision insurance is a type of insurance coverage specifically designed to help individuals manage the costs of vision-related services and eyecare. It provides benefits and coverage for a range of vision care expenses, including routine eye exams, prescription eyeglasses, contact lenses, and in some cases, certain vision correction procedures.Here are some key points about vision insurance:
.webp)
1.
Coverage for Eye Exams:
Vision insurance typically covers the cost of comprehensive eye exams, which are important for assessing visual acuity, determining prescription needs, and identifying any potential eye health issues. These exams are usually recommended on an annual or biennial basis, depending on individual needs
2.
Coverage for Eyewear:
Vision insurance often provides benefits for prescription eyeglasses and/or contact lenses. This includes coverage for frames, lenses, and lens enhancements such as anti-glare coatings or transition lenses. The specific coverage amounts and limitations may vary depending on the insurance plan and the level of coverage chosen.
3.
Out-of-Pocket Costs:
While vision insurance can help reduce the overall cost of eyecare, it typically involves some out-of-pocket costs. These may include deductibles (a set amount that must be paid before the insurance coverage begins), copayments (a fixed amount paid for specific services or products), and coinsurance (a percentage of the cost that the insured individual is responsible for paying).
4.
Network Providers:
Many vision insurance plans have a network of eyecare providers, including optometrists and ophthalmologists, with whom they have negotiated discounted rates. Insured individuals are often encouraged to visit network providers to maximize their coverage and minimize out-of-pocket expenses. However, some plans also offer out-of-network benefits, although the coverage may be lower, and the insured person may have to submit claims for reimbursement.
DENTAL INSURANCE
Dental insurance is a type of insurance coverage that focuses on helping individuals manage the costs associated with dental care and oral health. It provides benefits and coverage for a range of dental services, including preventive care, basic procedures, and major dental treatments.
Here are some key points about dental insurance:
Here are some key points about dental insurance:
.webp)
1.
Coverage for Preventive Care:
Dental insurance typically covers preventive services aimed at maintaining good oral health. This includes routine dental exams, cleanings, X-rays, and sometimes fluoride treatments. Preventive care is important for detecting early signs of dental issues and preventing more extensive and costly treatments.
2.
Coverage for Basic and Major Procedures:
Dental insurance also provides coverage for basic dental procedures such as fillings, extractions, and root canals. In addition, coverage may extend to major dental treatments such as crowns, bridges, dentures, and dental implants. The level of coverage for these procedures may vary depending on the insurance plan and the specific benefits chosen.
3.
Out-of-Pocket Costs:
While dental insurance can help reduce dental expenses, it often involves out-of-pocket costs. These may include deductibles (a set amount that must be paid before insurance coverage begins), copayments (a fixed amount paid for specific services), and coinsurance (a percentage of the cost that the insured individual is responsible for paying).
4.
Network Providers:
Many dental insurance plans have a network of dentists and dental specialists with whom they have negotiated discounted rates. Insured individuals are encouraged to visit network providers to maximize their coverage and minimize out-of-pocket expenses. However, dental insurance plans also typically offer out-of-network benefits, although the coverage and reimbursement rates may be lower.
GROUP LIFE INSURANCE
Group life insurance is a type of life insurance coverage provided by employers or organizations to their employees or members as part of a group benefits package. It offers financial protection in the event of an individual's death, providing a lump-sum payment, known as a death benefit, to the designated beneficiaries.
Here are some key points about group life insurance:
Here are some key points about group life insurance:
.webp)
1.
Coverage for Death Benefits:
Group life insurance provides a death benefit to the beneficiaries upon the death of the insured individual. The death benefit is typically a multiple of the employee's annual salary or a predetermined flat amount. The specific amount of coverage varies depending on the employer's policy and the level of coverage chosen.
2.
Coverage for Basic and Major Procedures:
In many cases, employees are automatically enrolled in group life insurance plans, and the employer may cover the entire premium cost or require employees to contribute a portion of the premium. The coverage is often offered without the need for medical underwriting or individual health assessments, making it easily accessible to employees.
3.
Beneficiary Designation:
The insured individual designates one or more beneficiaries who will receive the death benefit in the event of their death. Beneficiaries are typically family members or dependents but can be anyone chosen by the insured. It's important to keep beneficiary designations up to date to ensure the benefit is paid to the intended recipients.
4.
Portability and Conversion Options:
Group life insurance policies may offer portability and conversion options. Portability allows employees to continue their life insurance coverage if they leave the employer, usually by paying the premiums themselves. Conversion options allow employees to convert their group life insurance coverage into an individual policy if they leave the employer or retire.
5.
Supplemental Coverage:
Group life insurance policies may offer portability and conversion options. Portability allows employees to continue their life insurance coverage if they leave the employer, usually by paying the premiums themselves. Conversion options allow employees to convert their group life insurance coverage into an individual policy if they leave the employer or retire.
6.
Tax Considerations:
The death benefit received by beneficiaries is generally tax-free. However, if the coverage amount exceeds a certain threshold set by the Internal Revenue Service (IRS), the excess amount may be subject to taxes.
It's important to note that self-funded health insurance is subject to certain regulatory requirements, including compliance with federal laws such as the Employee Retirement Income Security Act (ERISA) and the Affordable Care Act (ACA). Employers considering self-funding should carefully evaluate their financial stability, potential risk exposure, and legal obligations before adopting a self-funded health insurance plan. Consulting with legal and insurance professionals is advisable to ensure compliance with applicable laws and regulations.
GROUP LONG TERM DISABILITY
Group Long Term Disability (LTD) insurance is a type of insurance coverage provided by an employer or organization to protect employees against the loss of income due to a long-term disability. It is typically offered as part of a group benefits package and is designed to provide financial support to employees who are unable to work for an extended period due to illness or injury.
Here are some key points about Group Long Term Disability insurance:
Here are some key points about Group Long Term Disability insurance:
.webp)
1.
Coverage Duration:
Group LTD insurance provides coverage for disabilities that extend beyond a short-term disability period, typically lasting longer than 90 days. The exact duration of coverage can vary, but it often extends until the individual reaches retirement age or is able to return to work.
2.
Income Replacement:
Group LTD insurance aims to replace a percentage of an employee's income if they become disabled and unable to work. The policy typically specifies the percentage of income that will be replaced, such as 50%, 60%, or 66⅔% of the employee's pre-disability earnings. This benefit is subject to a maximum monthly benefit limit defined in the policy.
3.
Definition of Disability:
Group LTD policies typically define disability as the inability to perform the duties of one's own occupation or any occupation, depending on the terms of the policy. Some policies may have an "own occupation" definition in the initial period, which means the individual is considered disabled if they cannot perform the duties of their specific occupation. After a certain period, the definition may change to "any occupation," meaning the individual is considered disabled if they cannot perform any occupation suitable for their education, training, and experience.
4.
Waiting Period and Benefit Period:
Group LTD policies often have a waiting period, also known as an elimination period, which is the period of time an employee must be disabled before becoming eligible for benefits. Common waiting periods range from 90 days to 180 days. Once the waiting period is satisfied, the benefit period begins, during which the employee is eligible to receive LTD benefits. The benefit period can vary, but it is typically 2 years, 5 years, or until the employee reaches retirement age.
5.
Premiums and Taxation:
1Group LTD insurance premiums are usually paid by the employer as part of the overall employee benefits package. The premiums are determined based on factors such as the size of the employee group, the benefit percentage, the waiting period, and the occupation types within the group. The premiums are generally tax-deductible for the employer, and any LTD benefits received by the employee are typically taxable as income.
It's important for employees to carefully review the terms and conditions of their Group LTD insurance policy, including the benefit percentage, waiting period, benefit period, and any limitations or exclusions. Understanding the coverage and filing requirements is crucial to ensure that employees can access the benefits they need in the event of a long-term disability.
401K's & multiple employer plan automation and administration
We partner with plan advisors, third-party administrators and investment providers to design the right solution for your retirement plan clients. We offer force-out IRA solutions for any plan, modern recordkeeping for non-profit plans, and trust custodial services.
Dedicated portal with access to consolidated investment reporting, detailed advisor asset reporting, compensation reporting and other tools that allow you to oversee and grow your business
Track the number of active advisors, managed plans and participants and access a summary of all assets and balances by investments
Users can view registered advisor profiles and associated activity
Users can access and export trade histories, advisor assets and NSCC record files for use in your own proprietary systems
Users control the list of approved investments and they can create predefined investment offerings for advisors to use.
Users can view and print a variety of reports including plan statements, investment allocations, deferral rates/amounts and census demographics
With the passage of the Secure Act and Secure 2.0 on the horizon we can help with 401k in-plan guaranteed income investment options to participant
Integration with many well-known recordkeepers, custodians, distribution partners, broker-dealers and insurance carriers to seamlessly deliver a protected, income-managed account within a retirement plan.
Plan governance program is designed to empower advisors as they work with plan sponsors, particularly those in the non-ERISA space, often governmental 457 or public-sector 403(b) retirement plans
Governance
Plan Design
Provider Management
Compliance
Engagement
Advisor Tools
Platform access to ETF’s, CIT’s, guaranteed fixed income, advisor managed portfolios and low cost mutual funds.
Recordkeeping for 403(b), 457, FICA Alt and other non-profit plans – designed to modernize the traditional, limited choice, non-profit retirement plan:
Process annuities
Managed portfolios
Mutual funds
ETF’s
Design and custom brand select IRA products and gain access to branded solutions.
Safe Harbor IRA for sponsors who have, or are considering adding a force-out IRA option to their retirement plan documents.
MutuaHassle free administration while meeting your fiduciary obligations and standard of care.l funds
Fully automated rollover program that establishes IRA accounts for non-responsive former employees with qualifying balances in active plans and for non responsive participants in terminated plans
Move existing assets onto the platform and gain access to a wider selection of investments, exchange existing plan investments and consolidate on the platform
Open MEP – a fully integrated yet fully customizable qualified 401(k) retirement plan designed to reduce employer and personal fiduciary liability by allowing unaffiliated employers to opt into a retirement plan sponsored by an outside entity that bears responsibility for administering the plan.
Process annuities
Mitigates employer fiduciary responsibility transferring liability to the ERISA 401 ERISA 3(16) and ERISA 3 (38) via a contract executed between the plan custodian and adopting employer and 3(16) fiduciary
Harness the economies of scale of multiple companies leveraging their collective strength, lowering expenses
Open to outside advisors, the employers own investment advisor provides support to the adopting employer and becomes the liaison between them and the other providers
MEP is not an annuity Fees and expenses are fully disclosed and extremely competitive
Access funds of competing institutions and fund managers
Flexibility on eligibility matching
Benefit Plan Automation and Administration
All-in-one benefits administration.
Streamline the benefits process for HR teams and employees with an intuitive portal.
Flexibility to handle complex eligibility plans and rate structures
An industry leading library of core and voluntary products
Custom built HR reports
Decision support tools to help employees make informed decisions about their benefits
Company wide portal customization and multiple customer service support options
Lead by your account executive in the enrollment and set up process we automate administrative tasks across a variety of insurers, payroll and third party vendors
Integrations with over 100 carriers
Integrated billing reconciliation decision support, HAS/FSA, EOI, COBRA and more
Dedicated in-house client service team providing training and support wherever you need it
Engage, though a communications automation platform customized to each clients benefits profile, easily and efficiently delivering the right benefits messages to the right audience year-round.
ACA compliance – with fines that can cost your organization millions, why introduce risk through additional vendors and complex data exchanges? Receive an ACA management system integrated with your custom benefits portal to provide seamless, end to end monitoring and compliance throughout the year
Quarterly reviews of the health of your ACA data compliance
Automated 1095-C code population and convenient electronic IRS submission
Real time insights into workforce eligibility
OUR MEDICAL CARRIERS INCLUDE:
Reduce admin errors
Update payroll information in real time
Gain efficient data reporting with 100+ carriers
Empower employees with decision reporting tools for benefits
Paperless EOI application process
Streamline benefits with HAS, FSA, COBRA and billing reconciliation
OUR MEDICAL CARRIERS INCLUDE:
Afiac
Aetna
American Fidelity
APL
Amerilife
Assurity
Chubb
USAble Life
· Cigna
· Colonial Life
· Guardian
The Hartford
Liberty Mutual Insurance
Lincoln Financial Group
Manhattan Life
Washington National
MassMutual
Met Life
The Standard
Symetra
Transamerica
Health Trustmark
Unum
Payroll
ISolved
Paylocity
Paycor
Netchex
Viventum
Other Valuable Integrations
Admina Health
Authorize.net
Lively
Paylogix
Nayya
Perky
Piopac Fidelity
Quote request form
Click here
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
