Employee Benefits

Insurance Associates offers a dedicated and experienced team 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. 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 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.

Health Insurance Companies Aetna Anthem BC/BS Assurant CareFirst BC/BS CIGNA Coventry Health Care Delta Dental DentaQuest Guardian Hartford Humana Kaiser Permanente Lincoln Financial MetLife Mutual of Omaha Principal Prudential SunLife United HealthCare Unum Related Service Providers Ceridian Erin Group Administrators Flex America Government Service Administrators Kelly & Associates Insurance Group Total Administration Services Corporation

Employee Benefits Services offered: 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 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 Contribution strategies Cafeteria plans 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 Employee communication- newsletters, payroll stuffers, educational pieces, wellness Claim Management PHI authorizations Claim review Claim appeals Claim resolution 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 HR Resources Employee and Employer newsletters Employee communications Modeling tools MyWave and HRconnection Portal