Medical Coverage

Medical benefits are important for any organization. It is key to provide benefits to your employees that strike a balance between being cost-effective and competitive with other employers in your area and industry. We understand that benefits represent a significant cost, and we work with our clients to provide choices and the most comprehensive and affordable programs available.

Recognizing the need for innovation to fight against rising medical costs and insurance deductibles, we offer Health Savings Accounts (HSAs), Health Reimbursement Arrangements (HRAs), and Flexible Spending Accounts (FSAs) to help you and your employees make healthcare more affordable. New laws have introduced Individual Coverage Health Reimbursement Arrangements (ICHRAs) which allow employers to offer pre-tax reimbursement to employees that want to obtain health insurance on their own.

There are many health benefit options available to small employers, so you can choose the right combination for your organization. Your decision can consider all types of coverages, including Private Insurance Carriers, Level-Funded Plans, Individual Exchange Carriers with a QSEHRA, Association Plans, Professional Employer Organizations (PEO’s), Medicare, Child Health Plus, MEWA’s, and VEBA’s. We would be happy to explain all of these options for you.

Compliance with ACA and ERISA has taken center stage over the past few years, as the Department of Labor and EBSA continue to step up their audits. Now more than ever, it is imperative that small employers understand the importance of satisfying the demands of these regulations. Our services and solutions in these areas will give you peace of mind in our litigious world.

Educating employees on their healthcare benefits is part of our mission. Benefits can change at each renewal and, as a result, cause confusion when employees are choosing their own healthcare coverage(s). We empower your workers by helping them understanding—up front—their medical coverage, deductibles, co-pays, in-and-out of network rates, balanced billing, and much more.