Helping Tennessee Business
Owners Navigate the Group Health Insurance Market
and Succeed.
We help TN employers design, implement, communicate and manage employee benefit plans that meet their needs and budget.
We provide solutions to your group insurance challenges
EMPLOYEE BENEFITS
Properly designed group insurance can be one of the most strategic tools for employers to use for employee attraction and retention.
HR TOOLS & RESOURCES
The Human Resources department is responsible for much more than just HR. There are so many employee issues that come through your office adding to the unending work load of new hires/terms, payroll, TN compliance, 401-k and of course benefits administration. We work very hard every day to make your benefit plans run smoothly.
ACA COMPLIANCE
In addition to our regular updates and personalized assistance, we offer HR and benefit plan compliance, assistance and practical advice for real-life situations. We provide sample employee benefit notices, forms, model plan documents and SPDs.
BUSINESS INSURANCE
Key person insurance, buy/sell planning, individual disability carve-out plans, and other high-quality programs are an important aspect of significantly improving the perceived value of total compensation for the executive and protecting your business in the event of the retirement, death, or disability of selected key executives.
INDIVIDUAL INSURANCE
We can help with Medicare supplements, life, disability and long-term care insurance. Group products are great and very affordable but sometimes additional coverage is needed.
News & Information
Benefit Brokers, Nashville TN
In TN commercial health insurance pays on average 219% more than Medicare for the same procedures. It's no wonder group health insurance costs so much. Read this to compare local hospitals or Tennessee to other states. it will open your eyes!
Individual and Group medical HDHP plans can once again allow first dollar telehealth benefits. That means carriers like BCBST, Cigna, UHC can now offer a small copay for a telehealth visit. There are some specific rules of course but it helps. This expires on 12-31-2022
More than 140,000,000 Americans have been infected by COVID
Beginning on January 1, 2022 the "No Surprises Act" requires non participating providers to accept payment at an "in network" level for the treatment received. This is not if you choose to visit a non participating provider without it being and emergency. Additionally, if you use an in-network facility but are billed by an out of network provider that provider must accept the in network reimbursement.
The Government won't say....
Looking back at the Affordable Care Act and the reaction for small businesses in terms of enrollment, premiums and how many employees are actually offered and are enrolled in group medical insurance.
Are you happy with the benefits you offer your staff? Are they? Can you offer better options for what you are spending?
We will give you an honest second opinion at no cost or obligation.
ONLINE ENROLLMENT & ONBOARDING
We partner with Employee Navigator and Bernie Portal to provide our clients the best technology for benefit communication and enrollment. HR also has access to payroll integration, on-boarding, PTO, time and attendance and 1094/1095 reporting. Please contact us for demonstration.