Our Work
Our specialized healthcare enrollment team and counselors play a vital role in simplifying benefits for employees, ensuring clarity and informed decision-making. As adept guides, they tailor consultations to understand individual needs, simplifying complex healthcare options and coverage plans. Beyond information, counselors actively engage, addressing concerns and providing insights, all while fostering transparency. This human touch contributes to a confident and satisfied workforce, creating an environment where employees navigate benefits with ease, promoting overall health and well-being.
Employee Size
01.
Small Business
Under 50 Employees
For companies with fewer than 50 employees, exemptions from the Affordable Care Act mean no mandatory provision of health benefits. Despite this, approximately half of businesses in this category opt to offer some health benefits. Offering benefits as a small business can make your recruiting and hiring process more competitive, bringing in more skilled workforce who might otherwise seek other opportunities. To manage costs, small businesses can contribute solely to an employees' premiums, excluding dependents. Additionally, providing coverages such as, Long-Term Disability coverage, which tends to be costly when obtained independently, can serve as an attractive incentive for this high-caliber talent.
02.
03.
Middle Market
50-250 Employees
Large Business
250+ Employees
Upon reaching the 50 full-time employees milestone, businesses fall under the federal Family Medical Leave Act, necessitating up to 12 weeks of unpaid leave for events like the birth or adoption of a child or dealing with a severe illness. Simultaneously, employers are obligated to cover the employer portion of Washington state’s Paid Family and Medical Leave program, and are also required to offer major medical to all eligible employees with a minimum employer contribution. As the company expands, consider adjusting cost-sharing structures and incorporating coverage for dependents, or adding supplemental policies that provide coverage for gaps in the major medical and mitigate out-of-pocket costs for your employees.
For larger enterprises exceeding 250 employees, financial resources may permit the introduction of advanced supplemental benefits. These can include innovative offerings like EAP programs, life insurance, disability, and fitness reimbursements programs, thus signaling a commitment to employee well-being and satisfaction .These complexities integrate with payroll providers and large business' prosper from payroll integration and HRIS. Our enrollment team and integration specialists work with plan administrators to seamlessly handle new hires, open enrollment, and carrier submissions in addition to all the other services offered for small groups.
Top Enrolled Industries
01.
Public Sector
02.
Tribal
03.
Non-Profit
04.
Union
05.
Construction/ Manufacturing
01.
Public Sector
Our benefit enrollment specialists can be invaluable to public sector businesses by streamlining the often complex process of benefits administration. They provide expertise in navigating health plan options, ensuring employees understand and select the coverage that best suits their needs. This not only enhances employee satisfaction and retention but also helps the organization maintain compliance with regulatory requirements. By leveraging their knowledge, enrollment specialists can also identify cost-saving opportunities and tailor benefits packages that align with the organization's budget and strategic goals, association, and ultimately improving efficiency and reducing administrative burdens.
02.
Tribal
By simplifying the benefits selection process and ensuring culturally relevant and comprehensive coverage for employees, our benefit specialists play a vital role in supporting tribal businesses . Their expertise helps tribal businesses navigate the complexities of health insurance options, including unique considerations such as Indian Health Services (IHS) integration. By providing personalized education and assistance for individual employees, they empower employees to make informed decisions while ensuring compliance with federal and tribal regulations. This tailored approach enhances employee well-being, fosters trust within the community, and supports the business in attracting and retaining top talent, contributing to its long-term success.
03.
Non-Profit
To support nonprofit organizations our benefits counselors help employees design and manage cost-effective, comprehensive employee benefit programs within their company provided plan options and tailor budget constraints by assessing the complex plan designs. These advisors analyze the unique needs of nonprofits, providing solutions to attract and retain top talent while ensuring compliance with healthcare regulations. They also educate staff on benefit options, advocate for improved plan terms, and implement wellness initiatives that promote employee health and productivity. By optimizing health plan efficiency, advisors enable nonprofits to allocate more resources toward their core mission, enhancing their overall impact on the community.
04.
Union
Benefit specialists provide significant value to unions by designing and negotiating comprehensive health benefit plans that address the collective needs of their members. They leverage their expertise to secure cost-effective and high-quality coverage, ensuring union members have access to essential healthcare services and supplemental coverages that ensure gaps in major medical are covered. Advisors also assist with navigating complex regulatory requirements, enhancing plan transparency, and managing compliance. By providing education on benefits and wellness initiatives, they empower members to make informed decisions about their health. This support strengthens the union’s ability to advocate for its members, reinforcing trust and demonstrating a commitment to their well-being.
05.
Construction/ Manufacturing
Our benefits specialists are invaluable to the construction and manufacturing industries, where physically demanding work often leads to unique health challenges and risks. These advisors design and implement benefit plans tailored to the specific needs of the workforce, ensuring access to robust healthcare options and injury management support. Our specialists are available for site counseling sessions and provide flexible schedules to fit the needs of the group and the job. They help employers control costs while maintaining competitive benefits to attract and retain skilled labor in a tight job market. Advisors also promote workplace wellness programs, enhancing employee health and productivity while reducing absenteeism and turnover. By ensuring compliance with healthcare regulations and advocating for workers’ needs, they contribute to a safer, healthier, and more stable workforce.