Medical Coverage

Medical benefits are an important part of any business. It is key to provide benefits to your employees that strike the balance between being cost effective and being competitive with employers in your area and industry. We understand benefits can represent a significant cost – and we work with our clients to provide choices and the most competitive programs available.

Recognizing the need for innovation due to the rising costs of healthcare, and the increasing deductibles in medical plans, Health Savings Accounts (HSA), Health Reimbursement Arrangements (HRA), and Flexible Spending Accounts (FSA) are often introduced as a funding mechanism.

A review of the various options that are available for the small employer provides peace of mind that when a decision is made, all types of coverages have been presented. Private Insurance Carriers, Individual Exchange Carriers (QSERA), Association Plans, Professional Employer Organizations (PEO’s), Medicare, Child Health Plus, MEWA’s and VEBA’s are available in our market.

ACA and ERISA Health & Welfare compliance have taken center stage over the past few years as the Department of Labor and EBSA continue to step up their auditing prowess. Now, more than ever, it is imperative that clients understand the importance of satisfying the demands of these regulations. Our company continues to bring the solutions that satisfy the concerns of our litigious environment.

Educating employees on their healthcare benefits is part of our mission. Benefits change at each renewal and, as a result, this can cause confusion at the time of care. Understanding, up front, what the medical plan covers, including deductibles, co-pays, in-and-out of network negotiated rates & balance billing, etc. is empowering.