Benefits

Put an Expert in your Corner.

benefits

The right benefits program is the one that’s right for you and your business.

When you really understand the way a client works, the right benefits program for their business is a given. It’s that simple – and that complex.

After all, with rising employee benefit costs, constant legislative changes and ever more complicated plan options, finding benefits solutions that make sense takes a keen eye and deep understanding of both the insurance marketplace and the needs of your organization.

That’s why Esser Hayes lays the groundwork for your plan structure with detailed needs and wants analysis of your business. By reviewing your policies, recommending plan designs and continually educating your employees, we work to deliver the most cost effective and comprehensive benefits solutions possible.

We support those solutions with a team of dedicated in-house benefits professionals available to help you administer your benefits plans. From claims and billing issues to COBRA and Section 125 administration, you and your employees can count on us for a level of personalized attention found in no other firm.

benefits

Benefits


Put a Team in Your Corner
The right benefits program is the one that’s right for your business and the way you work. It’s that simple…

Coverage Programs include:

Health

Group health insurance is a vital component for employers to attract and retain quality employees to grow their business. Also, it is a key benefit for employees to financially protect their families from catastrophic medical bills and keep their families healthy by obtaining appropriate medical treatment when needed.


Esser Hayes Insurance Group offers group health insurance for any size business, and individual health insurance. Group health insurance is often the second biggest expense to an employer besides payroll. It has been projected that health care reform fees will increase prices in 2014 by approximately 4% beyond the normal renewal increase. Esser Hayes has benefit specialists who will help you design a combination of group health plans utilizing fully-insured and self funded mechanisms combined with a contribution strategy to lower premiums and healthcare costs. We will also assist employers with healthcare reform compliance issues and help educate employees through enrollment meetings.

Life/Disability

EHIG offers a wide range of group and individual life insurance products. Whether your needs are personal or business related, life insurance is a vehicle to offer financial protection in case something happens to you.


Group disability insurance provides low cost income protection for employees as well as cost-saving management strategies for employers. Short-term Disability (STD) and Long-term Disability (LTD) insurance pays employees partial replacement of lost income in the event of a disability. An employee who returns to work after being disabled will be much more productive if they are able to stay afloat financially with the assistance of an employer sponsored disability plan.

Dental/Vision

Group dental and vision insurance plans are desirable benefits for employees. Offering group dental and vision coverage allows employees to take advantage of preventive care for checkups they would not otherwise schedule for themselves or their families, lowers out-of-pocket expenses, and offers discounts on services.

Long Term Care

Group Long-Term Care is an insurance product that offers an employee and family members the opportunity to protect their assets they have saved over their lifetime. Long-Term Care refers to a wide array of medical care, personal assistance and social support services for people who are physically or mentally unable to independently care for themselves for an extended period of time. LTC protects individuals against incurring large out-of-pocket expenses to offset the high cost of extended care.

Voluntary Employee Plans

Voluntary benefits are a way to offer employees a more comprehensive, flexible benefit package at no cost to the employer. Offering voluntary benefits is a great way to enhance your benefits package, differentiate your business from your competitors, and increase employee satisfaction.

Benefits Services include:

Policy Review

Upon renewal of your policy, your benefits producer will discuss with you the strategy for the upcoming year. We will review your plan designs and rates and remarket, if desired. Your Benefits team is here to provide education, quality service, and a commitment to you and your employees.

Claims Support


Claims are very confusing and many times processed incorrectly. The Esser Hayes benefits staff will assist you and your employees in explaining the process and communicating with the insurance company on any questions/concerns. Out of network charges, multiple provider invoices and deductible/co-insurance applications are very difficult to understand. Our benefits claims staff have daily experience at helping our clients navigate these difficult issues.

Billing Support


Adding, deleting and changing an employees coverage to your plan ultimately leads to payment and billing timing issues. Our staff will research discrepancies and errors and assist you with these issues as well as clearly explain what is due and when credits or additions need to be remitted.

Education for Employees


Once a plan design for your company has been chosen, Esser Hayes commits staff and resources from enrollment meetings to one on one consultation that ensures your folks and HR Team have all the information necessary to make an informed decision on the best plan for them and their families.

Cobra Support


Whether it is providing the information on legal requirements or partnering our clients with full COBRA administration, the Esser Hayes staff has the expertise to manage a proper COBRA compliance program for your company. Rules and regulations can change often with this government requirement, Esser Hayes educates and tracks these changes for you.

ACA Notifications


The Affordable Care Act (ACA) requires ALL employers to provide all full and part-time employees, whether on or off the group health plan, with a written notice of the existence of public Health Insurance Marketplaces. Until the final notice has been released by the federal government, please use the attached U.S. Department of Labor (DOL) model notice to distribute to your employees.


The employer is required to provide the information on the first page of the notice. The second two pages are optional and will only need to be completed in the event an employee decides to apply for coverage through the Health Insurance Marketplace.

English ACA Notification

Spanish ACA Notification

 

 

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