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We provide business owners with an independent review of existing group medical coverage to identify financial exposures and gaps in coverage, which includes:

• Assessment of plan premium and risk factor
• Shop group health plans options with various carriers and plan designs
• Address compliance issues

Analysis of your: 

1. Summary of Material Modifications (SMM Forms)
2. Summary Plan Description (SPD)
3. ACA Compliance guide
4. Wrap Document

Health Insurance is one of the largest line items on a Profit and Loss statement and it’s typically the hardest to maintain due to the rapidly rising premium cost.

Employers can reduce their employee taxable income thereby reducing their share of FICA and FUTA taxes and enhance their employers sponsored medical benefits package at no additional cost to the business.

The best way to prepare for healthcare changes is to find a benefits partner who will:

• Keep abreast of every piece of benefits legislation and regulatory changes
• Actively advocate for small business in both the political arena as well as with benefit carriers
• Help protect you from unforeseen laws, rules, and fines by arming your business with their professional experience, training, information and industry expertise.