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Our client found the need to shift more of the medical premium cost to the employees. The Creative Benefits team immediately identified that the medical coverage would then become unaffordable for many of their lower-income employees. With a wide salary gap among classes of their employees, Creative Benefits developed a compensation-based cost-sharing strategy that aligned with ACA affordability and ensured coverage was accessible to all employees.
Our Director of Account Management found members of the organization were struggling to find innovative ways to approach large premium increases, claims management, differentiating financial strategies and utilization of new carrier opportunities. To find alternative solutions, she began to tap into the resources of other Creative Benefits consultants and account managers.
Her efforts evolved into an informal monthly focus group, where the initial struggles are still discussed, but a multitude of other topics have been introduced – such as renewals, open enrollment meeting strategies, strategic planning and carrier comparison. There is no agenda, no topic is off limits and all members of the Creative Benefits team are encouraged to attend.
These discussions have led to strategic initiatives such as the utilization of decreased premium incentives to create a culture of wellness, implementation of more effective employee-targeted communication methods, and execution of funding strategies to counteract rising healthcare costs.
During a renewal meeting, our client inquired about a Student Loan Repayment Benefit for their employees. At the time, we had never administered such a benefit. The Creative Benefits Consultant on the case reached out to our Voluntary Benefits Specialist to research potential vendors. After several discovery calls, we proceeded to form a partnership with a firm offering student loan paydown plans, college savings plans, and refinancing programs.
Serving as a valuable tool for retaining and recruiting young talent, we have introduced this benefit to several other clients where the need is evident based on employee demographics.
The Creative Benefits team continues to invest time into uncovering client pain points and finding new and innovative ways of appealing to diverse employee populations. In recent years, not only have we implemented college tuition benefits, but also absence and leave management, family care policies, and pet insurance.
One Christmas Eve, a client’s employee broke his foot while vacationing in Spain. He preferred to have the necessary surgery performed in the United States. Creative Benefits worked with a third-party vendor to obtain a medical release for him to fly and coordinated care with his U.S. doctors.
While awaiting transport, the hospital discharged him and left him in a hallway. Our team advocated tirelessly to have him readmitted with appropriate care until transportation to the airport could be arranged.
Serving as a valuable tool for retaining and recruiting young talent, we have introduced this benefit to several other clients where the need is evident based on employee demographics.
The Creative Benefits team continues to invest time into uncovering client pain points and finding new and innovative ways of appealing to diverse employee populations. In recent years, not only have we implemented college tuition benefits, but also absence and leave management, family care policies, and pet insurance.
During a routine analysis of a client’s existing plans, we found that their lowest compensated employees were selecting the plan with the highest payroll contributions. Even though these members were not high utilizers of the plan, employees were contributing over 50% of their salary toward their health benefits.
In our experience, this was due to lower-compensated employees fearing that they would be unable to sustain a large deductible expense should they or a family member experience a significant health issue. We, therefore, introduced an HRA (Health Reimbursement Account) funding strategy based on compensation that would allow lower-compensated employees to enjoy lower premiums without the risk of high out-of-pocket medical expenses.
For a self-funded client, we found a nearby Imaging Center that offered significantly lower radiology costs than professional centers in the area. With the Center’s assistance, we reprocessed a year’s worth of radiology services for the client.
If their employees had utilized this facility for outpatient radiology services, it would have resulted in a savings of approximately $75,000 in claims. We, then, structured the plan design to incentivize use of this Imaging Center for the next plan year, where employees would experience a 50% decrease in the copay for radiology services – ultimately ensuring cost savings for all parties.
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Our Clients Say it Best!
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We Customize Benefits Packages For Each Clients Needs
Our Services
We will create a customized team to meet your organization’s needs and support you in every way surrounding your employee benefits program…
No matter what!
Products Offerings
We provide a strategic experience with our full spectrum of solutions.
We understand the challenges today’s employers face and know you’re asked to take on more than ever. We design an employee benefits program that is aligned to your company’s strategic goals and offer the operational support to drive program success.
We offer the following group plans: Vision, Life, Short- & Long-Term Disability, Accidental Death & Dismemberment, Supplemental Life, Voluntary Benefits, Flexible Spending Accounts (FSA), Section 125 Plans and Retirement plans.
Voluntary
A resource for employee retention and recruiting great talent.
The economy, tight benefit and salary budgets, major healthcare reforms and employer competition are behind the recent push for Voluntary Benefits. These offerings are expected to gain even more traction in upcoming years as companies look to increase retention and lure top talent. Employees are typically responsible for some or all associated costs of coverage, but receive the benefit of group rates or discounts and convenient access to employer-vetted vendors, products and services.
Voluntary Benefits
*We are licensed with many major carriers to place coverage.
With any effective Voluntary Benefits offering, communication and follow up are key components along with the endorsement and cooperation of the Employer. The BeneChoice Companies team takes a systematic approach that guarantees success.
- Term & Whole Life Insurance
- Critical Illness Insurance
- Cancer Insurance
- Accident Insurance
- Hospital Indemnity Plans
- Individual Short-Term Disability Insurance
Benefits Consulting
Our professionals take a hands-on approach to creating the most appropriate benefits program for our clients.
A one-size-fits-all approach can often times be disguised by attaching fancy labels to programs, but it rarely provides organizations with the most effective benefits package for their employees while providing the most cost savings.
Our Benefit Consultants streamline your human resource process and act as an extension of your team. What we promise we deliver. On a daily basis, we serve as an extension of your organization’s human resource and benefits department to support your organization with the complexities of your employee benefits program.
HR Consulting
At the BeneChoice Companies, we are passionate about developing customized strategies and solutions that positively impact your bottom line. We understand that your people are your greatest asset. Ensuring a well-trained and knowledgeable productive staff will help you to obtain your strategic goals and objectives. We assist small business owners and nonprofits with putting policies and procedures in place to make sure you are compliant with all State and Federal laws. We assist with your talent management needs to attract and retain employees.
Through excellent character, influence and a passion that drives us to be successful for you and your organization, let us help you surpass your expectations by providing resources who can work with your team to help you make the right choices.
Our services include:
- Meeting with clients to determine their HR needs or issues.
- Working with clients to develop, revise, and implement appropriate HR Policies.
- Assessing the clients current HR services and programs to be sure they comply with State and Federal regulations and are consistent with industry standards.
Medicare Consulting
The key to effective Medicare assistance is personal service and communication.
Most employees don’t think about Medicare until they need it. Year after year, they enroll in employer provided health benefits. For some, it is almost automatic. Then, when they approach Medicare age, they realize things are changing. Suddenly, they need to figure out what to do. That’s where The BeneChoice Companies steps in!
We understand the interplay between Medicare and other benefits. As employers rely on us to administer their overall benefits, they also depend on us to assist employees in managing the transition to Medicare. We strive to understand each employee’s needs and treat them as a whole person. Our primary goal is to help clients understand how their Medicare benefits work, so they can make informed decisions about their healthcare coverage.
Licensing
Our educators go beyond the call of duty to ensure a quality learning experience. We cater to the educational needs of prospective insurance agents in the state of Alabama. At Benefit Solutions School of Insurance we have a due diligence to our clients to make sure that they have a full understanding of insurance laws and requirements as it relates to the Alabama Department of Insurance Pre-Licensing Requirements. We offer the following courses:
- Life
- Health
- Property and Casualty insurance
Our Instructors have a genuine passion for helping people achieve their dream of becoming a licensed insurance producer. With over 20 years of teaching experience, count on us for great instruction regarding the ins and outs of the insurance industry. As it relates to the Pre-Licensing Course. Every Student is different and have many different learning styles we work with you to help you achieve your goals by working out a learning plan that is for you.
To Register for a course please click here:
benefitsolutionsschoolofinsurance.com
Retirement
Many businesses offer an employer-sponsored retirement plan to help employees save enough money for their golden years. Learn how to make the best decisions when choosing retirement plan options for your employees.
- Employee retirement plans offer a way for employers to help their workers save money for retirement.
- There are several different types of retirement plans you can offer, including 401(k) and SIMPLE IRA plans.
- Offering retirement plans to employees is a good way to attract and retain top talent.
Call us today at 334-356-0243
Let’s Make the Best Choice for your Benefits!
Put our knowledge, experience and strategic vision to work for your company. We’ll help you navigate the often confusing, ever-changing healthcare industry and choose the plan that best fits your organization’s needs.
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