1. Analysis of your current health plan and a comparison between products from all major carriers on and off the marketplace including Aetna, Anthem, Harvard Pilgrim, and Maine Community Health Options.
2. Review of ACA laws that apply to employers, employees, and individuals to assist you in the determination of group size and penalties.
3. Discussion includes employer mandates, individual mandates, essential health benefits, actuarial value, medical loss ratio, small business tax credits, group size laws that pertain to the offering of coverage, COBRA, W-2 reporting rules, and employer notification.
4. Enrollment services including one on one meetings with your employees to discuss the available options.
5. Provide access to third-party administration for Health Savings Accounts (HSA), Flexible Spending Accounts (FSA), Section 125 Administration (pre-tax plans), and COBRA administration.
6. Work closely with HR staff to guide them in new employee enrollment, benefit explanation, and group administration.
7. Provide employee census templates to assist in quoting new business and renewals.
8. Provide a review of areas for potential cost savings between plans based on employee needs including multi-platform options.
9. Comparison of HMO, PPO, and HSA plan design differences and how it impacts your employees with regards to benefit, provider network, and out-of-pocket costs.

Dental Insurance – Individual & Group

Dental health correlated to overall health. We can help you navigate those individual and group plan designs as well to give you option that works best for you or your employees.

Voluntary Products

Have you considered adding voluntary benefits to your portfolio of products for your employees? Employees like choice and needs vary. Let us help your employees navigation those choices. We can show them how it coordinates and supplements your existing plan.