Our Commitment
Our firm was founded on the principles of providing outstanding service, working hard to earn the trust of our clients and always acting with the highest level of integrity on their behalf.Whether you have only a few employees or hundreds, we provide you with the exceptional service you deserve. Our support allows you to focus on what you do best–growing your business.
Guidance
Service
- We take on the burden of administrative duties so you don’t have to
Manage new hire benefit eligibility. (Make sure they know when to enroll) - Conduct new hire benefit meetings
- Review their coverage options, answer questions, price plans, look up doctors, and confirm if prescriptions are covered.
- Submit applications, track status, and alert the employee when they are approved and have an ID#.
- Process employee terminations, qualifying events and status changes
- Track Cobra processing. Confirm termination from the plan, and the Cobra information has been mailed to the correct address.
- Prepare customized monthly enrollment and premium deduction sheets
- Employee and employer compliance communications. Model Notices, Section 125 / Cafeteria Plan, CMS Filing, Eligibility Tracking, SBCs etc.
- Research and correct billing issues
- Work with the carriers to resolve claims issues
- Educate and inform clients on all that’s happening with Health Care Reform. Send updates for anything that may affect you. And if it does affect you, will find a solution or an alternative.
- Yearly renewal calculations and a complete analysis of alternative options
- In person Open Enrollment meetings with all employees
- Review their coverage options, answer questions, look up doctors, and confirm if prescriptions are covered etc.
- Submit and track all OE changes and enrollments
Health insurance is the foundation of any comprehensive employee benefits package. Employees often view health insurance as their most valuable benefit. A successful benefits program should offer options that best suit the needs of the employee.
- Multiple carrier and coverage options
- HMO, PPO, EPO and POS
- Full and reduced networks
- National and local carriers
- High Deductible plan options to accommodate Health Savings Account (HSA)
- Level-Funded and Self-Funded options
Dental benefits are often a priority for employees. We provide dental insurance options that will complement the existing health plan and satisfy the needs of the employee with the flexibility in choosing deductibles, coinsurance and benefit maximums
- PPO
- EPO
- POS
- Orthodontic coverage
Helping employees take care of their vision is an important part of a well-rounded benefits package. We will help you choose an insurance provider and a benefits plan that can meet the needs of your employees.
- Frame and lens coverage
- Annual or more frequent eye exam coverage
- Contact lens coverage
- Vision correction coverage
Life insurance is an appreciated component in a comprehensive employee benefits package. Sought after employees expect life insurance as a component in an attractive employee benefits package.
- LIFE and AD&D
- Basic and Supplemental
Disability insurance protects an employee from loss of income in the event that he or she is unable to work due to illness, injury, or accident for a long period of time.
- Short Term Disability
- Long Term Disability (LTD)
Section 125 is a provision of the Internal Revenue Code that allows employees to pay their share of the cost of certain group insurance benefits, unreimbursed medical expenses, and dependent care expenses with pre-tax dollars. Under this provision, your paycheck is reduced by the amount you elect for the year. That money is removed from your salary structure before Federal Income, State Income, and Social Security taxes are calculated. This results in lower taxable income, and higher take-home pay.
A Healthcare FSA is an employer-sponsored account letting employees set aside pre-tax dollars to pay for eligible healthcare expenses. It’s a smart way to save and pay for eligible healthcare expenses. With an HC-FSA, pre-tax funds are deducted from each paycheck and automatically deposited into the employee’s account.
Dependent Care FSA covers qualified daycare expenses for children younger than age 13 and adult dependents who are incapable of caring for themselves. An example of an adult dependent would be an elderly parent not capable of self-care who has the same principle residence as the employee. A DC-FSA provides tax savings because employees don’t pay federal or FICA taxes on the money they put into their account, and many state taxes are also exempt.
A Health Savings Account (HSA) is tax-advantaged medical savings account available to those who are enrolled in a High Deductible Health Plan (HDHP). HSAs are owned by the individual, differentiating them from company-owned Health Reimbursement Arrangements (HRAs) that are an alternate tax-deductible source of funds paired with HDHPs. And, unlike a Flexible Spending Account (FSA), HSA funds roll over and accumulate year over year if not spent, with the ability to earn tax-free interest on the account. HSA funds may be used to pay for qualified medical expenses at any time without federal tax liability.
The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) requires employers with group health plans to offer employees the opportunity to continue temporarily their group health care coverage under their employer’s plan if their coverage otherwise would cease due to termination, layoff, or other change in employment status.
ACA Compliance
- Essential Health Benefits
- Model / Exchange Notice
- SBCs
- New hire waiting periods
- Employer / Employee contributions
- Qualifying Events
- EaseCentral is a cloud-based HR and employee benefits technology platform
- Karen Winters Insurance Services offers this platform at no charge to their clients
- Save time by eliminating paper forms, reducing errors, and creating digital employee files
- Stay on top of enrollment status, access group information 24/7
- Ease Central https://www.easecentral.com/