The Affordable Care Act has raised the bar on employer-provided health insurance and benefits, requiring employers to provide benefits who may not have done so in the past. Other employers have long seen the benefits they accrue by providing health insurance and benefits packages that go beyond minimum requirements. Regardless of where your business falls along that continuum, Heritage Companies unequaled understanding of ACA, COBRA myriad other factors will help you confidently determine what is best for your employees and your company.
Once we’ve pinpointed the right insurance plan for your needs, our consulting, administration and technology resources expertise comes into play. Our group seminars, one-on-one personal service and online enrollment and HR portal educate you and your employees about your plan and provide the tools to manage your coverage:
- Online Enrollment — when employees join your company, we make sure they complete the proper paperwork for the insurance plan they select. When they leave, we help them understand their options to avoid ACA-related fines due to gaps in insurance coverage.
- Claim Handling — not sure about deductibles or covered health issues? Don’t worry! We are available to help your employees wade through and clear the confusion, even helping them complete and submit claims in a timely manner.
- Eligibility Changes — we submit the required paperwork to update coverage due to life events such as marriage, divorce, childbirth and adoption.
Post Employment Coverage
Administering your plan includes helping employees who leave continue their insurance through the the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA Health Insurance). We help them understand how the program works and get them signed up if they’re interested.
Get Back to the Business of Your Business
Our easy-to-use HR portal gives you convenient access to the forms, reminders and small details that go hand-in-hand with employee insurance coverage. Call us today at (816) 322-6350 to learn how we can eliminate your administrative headaches so you’re free to focus on building your business.