Employee Benefits

Employee Benefits

Insurance Associates offers a dedicated and experienced agency of employee benefit specialists. We work closely with our clients to design, implement and maintain programs which best meet their unique goals and objectives. Our Employee Benefits Department is able to serve all industries and has extensive experience with both large and small employers.

Our team provides pro-active, cost-saving and quality-driven ideas to ensure our clients have the optimal benefit packages. Insurance Associates offers technology-based solutions to assist employers with employee communication and education, legal compliance, and employee enrollment. Additionally, we keep our clients informed of changes in the industry that may affect their benefit programs.

Health Insurance Marketplace

Healthcare Reform is a very important but complicated subject matter to understand. Trying to sort through it all can be overwhelming. Insurance Associates and its staff of qualified trusted advisors are here to help make sense of the provisions of the Healthcare Reform Law that impact individuals, families, and businesses. It is our goal to ensure that all of our clients are able to secure the best quality and affordable healthcare that is available in the Marketplace today.

Click here to access the Health Insurance Marketplace.

The types of benefit plans we offer include:
  • Group Life, Health, Disability, Dental, Vision
  • Fully Insured and Self-Funded Programs
  • Cafeteria Plans/Section 125 Plans
  • Voluntary Payroll Deduction Plans
  • Private Exchange
  • Retirement Plans – 401(k)
  • Consumer Driven Plans – HSAs, MSAs, HRAs
  • Government Contracting Fringe Benefit Plans

We can also provide Health, Dental and Disability coverage on an individual basis as well as the placement of Long Term Care Insurance.

Consulting Services Provided:

Plan Analysis
Our employee benefits consultants will review the client’s current plan to ensure that it meets the client’s needs in terms of plan design, pricing and quality.
  • Review of benefits, cost and quality
  • Employee survey
  • Market analysis
  • Benchmark reports by industry, geographic location and size
Commonly Requested Benefits Forms:

Plan Design
We work with our client’s to understand their benefit plan goals and design a plan to meet those goals.
  • Creative cost saving options- HSA, HRA, HDP, Multi-plan options
  • Innovative plan designs
  • Integration with payroll
  • Contribution strategies
  • Cafeteria plans

Client Services:

Plan Maintenance
We understand that our clients are busy, and will help to assist them with the daily management of their benefit plans on the following:
  • Billing issues
  • Claims issues
  • Compliance/HR Assistance
  • Employee communication- newsletters, payroll stuffers, educational pieces, wellness
Technology
We offer tools and resources to keep our clients apprised of legislative and changes which may affect their benefit plans. Additionally we provide employee communication and educational materials to increase employee understanding and appreciation of their benefit plans.
  • Employee website
  • Employer website
  • Consolidated billing
  • Compliance assistance – COBRA, FMLA, ERISA, HIPAA, Section 125
Claims Management
  • PHI authorizations
  • Claim review
  • Claim appeals
  • Claim resolution

Click here to visit our online glossary for a list of related terms.

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