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Employers Need 3 Things
- 2. Education. Solutions. Resources. Obama Care has changed the employee healthcare benefits landscape forever. Obama Care employer fines; minimum benefits; affordability and so on. Employers today, more than ever, need to deliver enviable, competitive and affordable benefits to retain talent and attract new talent. Copyright © 2013 Advanced Benefit Design Institute All Rights Reserved. 3254 Montana Ave. Suite 1002, Cincinnati, Ohio 45211 513-661-7581
- 3. What is HealthCare Reform – PPACA – ACA – Obama Care? The Federal Department of Labor (DOL) and the IRS are responsible for enforcing ERISA requirements for all group health plans and the new PPACA requirements for all employers. Employers need to know what all of this means to them. This is where we enter. An organized employer with meticulous records, all of the up to date compliance materials, will be in much better shape if faced with a DOL audit than an employer who isn't prepared. All employers must begin their benefits review with the creation of a DOL Audit Compliance Manual. Copyright © 2013 Advanced Benefit Design Institute All Rights Reserved. 3254 Montana Ave. Suite 1002, Cincinnati, Ohio 45211 513-661-7581 Employers Need 3 Things; “ONE”
- 4. Identify what has been working and what hasn’t Are you satisfied with your annual renewal increases Do you know what is driving your benefit cost Have you taken action to flatten the cost of increase Is managing healthcare benefits with spreadsheets, shopping and cost shifting producing desirable results If your costs are increasing each year then what you’ve been doing isn’t working We can help. Copyright © 2013 Advanced Benefit Design Institute All Rights Reserved. 3254 Montana Ave. Suite 1002, Cincinnati, Ohio 45211 513-661-7581 Employers Need 3 Things; “TWO”
- 5. Employers want to know how to control the cost of healthcare benefits. We know what works, what needs to change and how to make needed changes. We deliver compliance, healthcare management automation and simplicity. Reducing absenteeism, turnover, sick pay, disability, workmen’s comp. and healthcare need. Improving productivity, state of health, moral, access to care, employee retirement and benefit satisfaction. We can do this for the same amount of money you’ve been spending. Better access; Better Care; Less Cost! Let us Create your Benefits Business PlanToday! Copyright © 2013 Advanced Benefit Design Institute All Rights Reserved. 3254 Montana Ave. Suite 1002, Cincinnati, Ohio 45211 513-661-7581 Employers Need 3 Things; “Three”
- 6. If your renewals have increased for the last 6+ years, then what you’ve been doing doesn’t work. If you want different results, you need different strategies. We’ve delivered flat renewals to clients for years. We typically reduce healthcare spending up to $2,000.00 per employee over the first 18 months. We identify healthcare need, manage healthcare consumption and improve everyone’s state of health. You cannot accomplish the needed management from spread sheets and cost shifting. Copyright © 2013 Advanced Benefit Design Institute All Rights Reserved. 3254 Montana Ave. Suite 1002, Cincinnati, Ohio 45211 513-661-7581 Assessable payment rulesAssessable payment rules New Results
- 7. Adopt a new philosophy of benefit design. Integrate “ahead of its time” analytics that illustrate personal modifiable risk factors and the financial and clinical costs of lifestyle and un- healthy behavior. Solve for medical illiteracy and improve disease treatment compliance. EDUCATION; ENGAGEMENT;COMMUNICATION HealthCare cost of increase flattens Presenteeism improves Healthcare consumption decreases Productivity increases Copyright © 2013 Advanced Benefit Design Institute All Rights Reserved. 3254 Montana Ave. Suite 1002, Cincinnati, Ohio 45211 513-661-7581
- 8. Benefits Business Plan for Employers Agency E-Card Introduction Next Generation Benefits DOLAudit Compliance Manuals Contact us today to learn more! 1-513-661-7581 Click on the presentation you would like to view! Copyright © 2013 Advanced Benefit Design Institute All Rights Reserved. 3254 Montana Ave. Suite 1002, Cincinnati, Ohio 45211 513-661-7581
- 9. Contact: HealthCare Expense Reduction Expert D. Scott Hettesheimer Advanced Benefit Design Institute, LLC 3254 MontanaAve., Suite 1003 Cincinnati,Ohio 45211 513-661-7581 scott@GroupBenefitsExperts.com http://www.AdvancedBenefitDesignInstitute.com Copyright © 2013 Advanced Benefit Design Institute All Rights Reserved. 3254 Montana Ave. Suite 1002, Cincinnati, Ohio 45211 513-661-7581
Notas del editor
- ERISA education has been ignored in the insurance industry. It is a missing topic on Department of insurance insurance exams. Health care reform has made ERISA solutions more attractive that fully insured plans, in or out of exchanges.
- We provide an introduction to ERISA, enough information for brokers to learn so that they can confidently create, sell and service this type of employer solution. There are several aspects of PPACA that do not apply to ERISA contracts. Benefit design flexibility has always been the number 1 attraction to ERISA solutions. All of the cost containment products, wellness, health care shopping tools that reduce health care claims, are for the most part kept by the employer. The latest ERISA contracts identify and limit risk making ERISA contracts risk acceptable for the smallest of groups – down to 5 lives.
- All insurance plans have at least one element of self-insurance. Deductibles, co-insurance are 2 examples of self-insurance. Plan participants cover this element of self-insurance. Many employers offer an HRA. These are self-insured by the employer. The self-insured plans we construct simply look like a large deductible HRA plan design. A 2 tier deductible if you will. In our contracts, there is a maximum dollar amount that the employer will pay for all aggregated claims. Total risk is identified and then insured.
- All insurance plans have at least one element of self-insurance. Deductibles, co-insurance are 2 examples of self-insurance. Plan participants cover this element of self-insurance. Many employers offer an HRA. These are self-insured by the employer. The self-insured plans we construct simply look like a large deductible HRA plan design. A 2 tier deductible if you will. In our contracts, there is a maximum dollar amount that the employer will pay for all aggregated claims. Total risk is identified and then insured.
- All insurance plans have at least one element of self-insurance. Deductibles, co-insurance are 2 examples of self-insurance. Plan participants cover this element of self-insurance. Many employers offer an HRA. These are self-insured by the employer. The self-insured plans we construct simply look like a large deductible HRA plan design. A 2 tier deductible if you will. In our contracts, there is a maximum dollar amount that the employer will pay for all aggregated claims. Total risk is identified and then insured.
- Our ERISA Academy is comprehensive and is delivered with our ReInvent your Benefit’s agency business/marketing plan. ERISA product training to create and present proposals; 4 hours of our on-line webinar assistance helping you present and sell to a prospect, training on 12 cost containment/reduction products; creating a benefits business plan for your clients, licensing and credentialing for all of the products. For a complete list go to our Group Agent Resources web site and review products.
- Our ERISA Academy is comprehensive and is delivered with our ReInvent your Benefit’s agency business/marketing plan. ERISA product training to create and present proposals; 4 hours of our on-line webinar assistance helping you present and sell to a prospect, training on 12 cost containment/reduction products; creating a benefits business plan for your clients, licensing and credentialing for all of the products. For a complete list go to our Group Agent Resources web site and review products.
- Please view our other presentations, specifically “Re-Inventing; Reform Proof your Benefits Agency and call me when you want to work with a knowledgeable and experienced professional. Start getting paid from the savings you create. Your clients can pay commissions or fees for services or % of savings. It’s your choice, our clients Pay only for performance and we share in cost reductions.
- WE deliver everything you need, from A – Z to transition into self insured ERISA insurance contracts. Survive and thrive in the ERA of Health care reform. Contact us today to get started, we only work with one agency per market.