ACA Ocean assists in monitoring and collecting data to determine when employees are eligible for benefits, when benefits were offered, as well as assistance with IRS form 1094 and 1095 creation and filing.

Tracker LeaveXpress removes compliance challenges from employers and includes direct communication with employees about their leaves of absence, protecting the employer from discrimination claims by keeping employee health information private from employer personnel.

Tracker COBRAedge provides General Initial Notice upon enrollment in benefits, and collects premiums for COBRA participants, removing the employer burden of these administrative tasks.

PCORI & 5500 filing calculates the number of covered lives per quarter and fees to be remitted to the IRS, collects proper schedules, prepares IRS forms 720 and 5500, and transmits them to the Department of Labor.

Education, via in-person and virtual seminars, may include continuing education credits for insurance agents or SHRM and HRCI professional designees.

HR & compliance consulting includes phone and email support for your HR and compliance questions, plus advice and strategic solutions.

Minimum essential coverage (MEC) — 74 preventative tests and screenings per CMS guidelines, with and without stop-loss protection, standalone or bundled options

Minimum value plans (MVP) — guaranteed issue, 60% actuarial certification

Supplemental GAP plans — level-funded with stop-loss protection, requires 50 employer-funded participants, HSA and non-HSA compatible

Level-funded prescription drug plans — unused claims dollars go back to the employer, generic only or brand/generic plans

Small group level-funded medical plans — Top compensation, 10 enrolled lives and up, PPO (Cigna) or reference-based pricing (RBP) networks

Large group administrative services only (ASO) — multiple stop-loss underwriters, choice of networks, no case setup fees

We also offer fully insured programs in a variety of options, including employer funded, with very favorable participation requirements. We are committed to helping you build proposals that meet your clients’ needs.

Limited medical indemnity — standalone “mini-med” plan, low participation requirements, inpatient and outpatient benefits, no pre-existing conditions

Hospital indemnity — available with or without a related medical plan, guaranteed issue with no pre-existing conditions, HSA compatible

Supplemental GAP — HSA compatible, voluntary or employer paid

Dental — No minimum participation, no waiting periods on initial open enrollment

Vision — No minimum participation, no waiting periods

Accident — Expense incurred up to policy limit

Critical illness — Sold standalone or bundled, guaranteed issue

Prescription drug plans — Sold standalone or bundled, guaranteed issue

Benefits choices — As healthcare costs continue to rise, employers are seeking new ways to help all employees get the benefits coverage they need. Our benefits professionals assist employees in finding the right mix of voluntary products to complement their benefits.

Enrollment services — Our extensive experience with enrollments of all shapes and sizes has allowed us to become experts in the benefits industry. We offer a multi-option solution with three distinct specialized services to meet your unique employee benefit enrollment needs: call center enrollment, face-to-face enrollment, self-service enrollment.

Technology — We can customize a benefits administration solution to support the most effective enrollment approach. Our systems are built around your client’s individual needs. They are fully configurable and easily customized.

The BEACON offers a superior enrollment experience, featuring total benefits education, administration and communications. Through intuitive design and robust functionality, the cloud-based system ensures that employees get a clear picture of their employer-provided benefits.

• Administration of Voluntary Benefits through The BEACON increases employee satisfaction
• Content library with 100+ educational videos
• Turnkey Spanish translation
• Customizable site & employer branding
• Mobile device optimization
• Call center & face-to-face enrollment options
• Year-round communications
• Decision-support functionality
• Group & voluntary product enrollment

Our Benefits Administration Center of Excellence team will partner with your client every step of the way to ensure their enrollment runs smoothly. Our technical group of diverse individuals will work together as an integrated team to provide your client with a comprehensive suite of enrollment and support service to ensure they receive an exceptional enrollment experience. For over 20 years our team has been providing solutions to give you a competitive edge.

Thanks – We have received your information and someone will be contacting you soon.

Your Clients Deserve the Most Affordable, Best Benefit Options.

Gain the competitive edge with our robust benefit offers, insurance and retirement plans.

Your clients count on you to deliver the best options for affordable, high-quality insurance and
other benefits to protect their health and wealth.

Your Clients Deserve the Most Affordable, Best Benefit Options.

Gain the competitive edge with our robust benefit offers, insurance and retirement plans.

Your clients count on you to deliver the best options for affordable, high-quality insurance and other benefits to protect their health and wealth.

We enhance your client relationships.

Our unparalleled family of brands lead the industry and we work with brokers like you to create benefits and retirement plans that not only provide great choices for your clients, but also reflect well on your expertise.

Do you need to provide a fresh solution to your clients? Our approach is simple. We listen, we consult, we solve problems. The result is a fine-tuned, highly tailored mix of products and services that gives you a competitive edge and provides the best for your clients, meeting their employees’ needs in an especially challenging benefits market.

You can learn more about our products.

We enhance your client relationships.

You can learn more about our products.

Compliance

Non-Traditional Health Care

Enrollment Services

Benefits Administration

Make Compliance
Less Complex

We Can Help

Make Compliance Less Complex

We Can Help

Helping with Compliance

When it comes to compliance, your clients have a lot on their plates — they have to stay up to date with paperwork, file the proper IRS forms detailing employee benefit eligibility, and resolve IRS audit letters. Managing all of this information can be daunting.

Not only are we the best benefits plan designers and administrators, brokers count on us to deliver functional data and concierge services that keep their clients out of trouble and help them avoid penalties.

We offer robust compliance technology that:

Monitors and collects data
Handles COBRA administrative tasks
Removes compliance challenges in terms of privacy and IRS reporting

Non-Traditional Health Care

The Right Solutions

Non-Traditional Health Care

The Right Solutions

Serving the Needs of Non-Traditional Health Care Patients

Maximizing value and minimizing cost for your clients — that’s your goal. We have the right solutions for everyone, including the non-traditional healthcare programs your clients want, at just the right cost.

Look to InnoBenefits — our creative solution to meet your clients’ most challenging healthcare needs. InnoBenefits provide centralized administration that can combine various self-funded and full insured products into one seamless solution.

Our self-funded programs can provide a unique option as employers look for plan designs to maximize value while managing costs. These programs include:

Enrollment Services

Easy Access

Enrollment Services

Easy Access

Enrollment. Onboarding. Education.

How can you make benefits administration easy for your clients and their employees? Using our proprietary, innovative technology, we provide an integrated, multichannel experience and a one-stop solution for all your clients’ employee benefits programs.

We serve groups as small as 100 and as large as 250,000 employees, and support clients in all 50 states. Our team empowers their team with professional benefits education and enrollment.

Benefits Administration

Flexible & Customized

Benefits Administration

Flexible & Customized

Providing Your Clients Turnkey Benefits Administration

Here’s the answer to benefits administration made easy: The BEACON.

Our cloud-based Benefits Education Administration & Communication Online (BEACON) platform is easy to use and helps employees understand and receive full value from their employer-provided benefits.

Branded with your client’s logo and customized for their specific employee audience — including turnkey Spanish translation — The BEACON features multi-mode enrollment, live chat and phone assistance, email and text messaging and decision-support tools. In addition, administration of Voluntary Benefits through BEACON increases employee satisfaction.

Thanks – We have received your information and someone will be contacting you soon.

Your Clients Deserve the Most Affordable, Best Benefit Options.

Gain the competitive edge with our robust benefit offers, insurance and retirement plans.

Your Clients Deserve the Most Affordable, Best Benefit Options.

Gain the competitive edge with our robust benefit offers, insurance and retirement plans.

We enhance your client relationships.

You can learn more about our products.

We enhance your client relationships.

You can learn more about our products.

Compliance

Non-Traditional Health Care

Enrollment Services

Benefits Administration

Make ComplianceLess Complex

We Can Help

Make Compliance Less Complex

We Can Help

Non-Traditional Health Care

The Right Solutions

Non-Traditional Health Care

The Right Solutions

Enrollment Services

Easy Access

Enrollment Services

Easy Access

Benefits Administration

Flexible & Customized

Benefits Administration

Flexible & Customized

Make Compliance
Less Complex