Why Work With Us
More than twenty-five (25) years of experience working in the small group market.
Employee meetings included and recommended.
Contracted with multiple carriers to ensure multiple options to choose from.
Small Group Employee Benefits
Traditional Fully-Insured
Fully-Insured insurance plans place the fiduciary responsibility for claims payment on the insurance carrier. All fully-insured small group plans offered after 1/1/2014 must be Affordable Care Act (ACA) compliant. Popular carriers in NE Indiana are: Anthem BC/BS, United Healthcare, and Physicians Health Plan (PHP).
Self-Insured / Balanced Funded
Employers can choose to request a quote from a carrier based upon the health risk of their employees. Self-insured plans require that the employer retain the fiduciary responsibility to pay claims. Balanced Funded plans build a premium based upon anticipated claims and administration of the plan. This allows the small employer to avoid roller-coaster billing of claims.
ICHRA
ICHRA
Individual Coverage Health Reimbursement Arrangements (ICHRA) are an alternative way for employers to offer benefits to employees, but in a more budget-friendly way. Employers establish a defined reimbursement they will provide for premiums and employees choose Individual Marketplace coverage that works best for them.
We Will Be Moving!
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