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Services

The Analysis

 

Health Point Options uses time-tested comprehensive analysis of your companies’ employee benefit program.  

 

Our Analysis consists of the following:

 

  • Understanding your current employee benefits program.

  • Reviewing the services your company needs.

  • Identifying any gaps in coverages

  • Review compliance

  • Share our findings with you.

  • Implementation

 

 

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DELIVER LATEST INFORMATION ON HEALTH CARE REFORM

  • Provide guidance on requirements and notices

  • Summarize key compliance deadlines and delays

  • Email special alerts when requirements change

  • Provide an annual checklist for each year’s requirements

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RESEARCH AND ANALYZE CLIENT’S GROUP BENEFITS NEEDS AND PHYSICIAN NETWORKS

  • Review current plans and level of satisfaction

  • Determine the key person’s objectives

  • Collect census

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SURVEY THE MARKETPLACE FOR APPROPRIATE PLANS AND CARRIERS

  • Analyze available carriers and plans

  • Evaluate and compare plans inside and outside of the Health Insurance Exchange

  • Confirm that key person’s physicians are in proposed network

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PRESENT PLAN ALTERNATIVES THAT MEET CLIENT’S BENEFITS AND BUDGETARY NEEDS

  • Prepare presentation

  • Explain plan differences

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DEFINE ELIGIBILITY

  • Explain requirements for group coverage

  • Identify acceptable waivers

  • Review participation requirements

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PREPARE MASTER APPLICATION, SUPPORTING DOCUMENTS AND EMPLOYEE ENROLLMENT

  • Assemble group application, which defines the terms of the plan

  • Include eligibility rules supplied by group with the application

  • Collect enrollments completed by each employee, defining the employee’s status and named dependents

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EDUCATE EMPLOYEES ABOUT THEIR PLAN

  • Install the plan upon acceptance by the carrier(s)

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PREPARE AND MAINTAIN WRAP SPDS AND WRAP PLAN DOCUMENTS

  • Prepare Wrap Summary Plan Description to comply with ERISA requirements

  • Prepare Wrap Plan Document to comply with ERISA requirements

  • Provide amended Wrap Documents in the event of any changes to ERISA-required provisions or material changes to plan information and benefits

  • Provide distribution guidelines for Wrap SPDs

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SUPPORT EMPLOYEE BENEFITS AND HR NEEDS

  • Available to respond to questions regarding the plan, claims and eligibility

  • Keep clients ahead of the curve by notifying them of changes to the law regarding issues that will directly impact their businesses

  • Provide HR and benefits monthly newsletter and online HR library

  • Provide summary of major required health plan notices

  • Provide customer support throughout the plan year related to matters such as enrollment changes, claims and insurance I.D. cards

  • Provide support when COBRA issues come up (or mini-COBRA needs, depending on your state)

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HELP WITH OPEN ENROLLMENT ISSUES

  • Provide support at open enrollment time, including explaining choices and assisting enrollment

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FACILITATE RENEWAL AND ELIGIBILITY VERIFICATION

  • Provide an explanation of renewal

  • Design plan alternatives in line with budget and priorities

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