Benefits

Give Your Employees The Best

The benefits package offered to your employees can serve multiple purposes. In addition to keeping you compliant with employer regulations, it can it can be used as a tool to attract and retain quality employees. The benefit plan we create for you will be customized to the needs of you and your employees.

HERE TO HELP

  (267) 384-5300

(717) 500-3437

 Find A Representative

Give Your Employees The Best

The benefits package offered to your employees can serve multiple purposes. In addition to keeping you compliant with employer regulations, it can it can be used as a tool to attract and retain quality employees. The benefit plan we create for you will be customized to the needs of you and your employees.

HERE TO HELP

  (267) 384-5300

(717) 500-3437

 Find A Representative

Health Insurance
Health Insurance

There are many plans available to you and we can find what is best for your current group of employees. As an independent agency, we offer health insurance through multiple companies and we are familiar with the variety of plans offered by each. You’ll be guided through the selection process to help alleviate the weight of choosing the correct coverage for your group.


Employer Compliance & COBRA

Employer Compliance & COBRA

Regulations for employers are rapidly changing. Are you losing sleep for fear that you aren’t complaint with the current rules and regulations? Whether it’s the Affordable Care Act (ACA), Family Medical Leave Act (FMLA) or Consolidated Omnibus Budget Reconciliation Act (COBRA), we will provide the tools to stay in compliance and gain a restful nights’ sleep.

Compliance and Health Care Reform Education Center


Affordable Care Act (ACA) Compliance
Affordable Care Act

From HealthCare.gov:

The comprehensive health care reform law enacted in March 2010 (sometimes known as ACA, PPACA, or “Obamacare”).

The law has 3 primary goals:

  • Make affordable health insurance available to more people. The law provides consumers with subsidies (“premium tax credits”) that lower costs for households with incomes between 100% and 400% of the federal poverty level.
  • Expand the Medicaid program to cover all adults with income below 138% of the federal poverty level. (Not all states have expanded their Medicaid programs.)
  • Support innovative medical care delivery methods designed to lower the costs of health care generally.


Health Advocacy Services
Health Advocacy Services

We are your first contact when you have claims and coverage questions instead of the insurance company. Your designated service advisor provides assistance when needed and walks you through the claim process.


Voluntary Benefits
Voluntary Benefits

You can give your employees the option to select policies a la carte. These benefits are chosen and paid for by the employee via payroll deferral and, in some cases, pretax. Policies available include dental, life, short term disability, long term disability, vision, and cancer/critical illness.


Health & Wellness Programs
Health & Wellness Programs

The overall cost of your health insurance is based on your employees’ past health expenses. A wellness program can be put into place to incentivize employee wellness. The benefit of this can go well beyond the price point for your health insurance plan.


Workers Compensation
Workers CompensationThere are steps you can take to keep your employees safe at work but if they are injured, suffer from an illness, or even death as a result of their job, workers compensation provides coverage for expenses, lost wages, and rehabilitation services. This is different than a traditional insurance policy and we can help you manage the cost of work-related injuries.

Learn more >>

Corporate Retirement Plans
Corporate Retirement PlansLeverage the experience of our retirement plan advisors to put the right plan in place for your business.

Learn more >>

Health Insurance

There are many plans available to you and we can find what is best for your current group of employees. As an independent agency, we offer health insurance through multiple companies and we are familiar with the variety of plans offered by each. You’ll be guided through the selection process to help alleviate the weight of choosing the correct coverage for your group.


Employer Compliance & COBRA

Regulations for employers are rapidly changing. Are you losing sleep for fear that you aren’t complaint with the current rules and regulations? Whether it’s the Affordable Care Act (ACA), Family Medical Leave Act (FMLA) or Consolidated Omnibus Budget Reconciliation Act (COBRA), we will provide the tools to stay in compliance and gain a restful nights’ sleep.

Compliance and Health Care Reform Library


Affordable Care Act (ACA) Compliance

From HealthCare.gov:

The comprehensive health care reform law enacted in March 2010 (sometimes known as ACA, PPACA, or “Obamacare”).

The law has 3 primary goals:

  • Make affordable health insurance available to more people. The law provides consumers with subsidies (“premium tax credits”) that lower costs for households with incomes between 100% and 400% of the federal poverty level.
  • Expand the Medicaid program to cover all adults with income below 138% of the federal poverty level. (Not all states have expanded their Medicaid programs.)
  • Support innovative medical care delivery methods designed to lower the costs of health care generally.


Health Advocacy Services

We are your first contact when you have claims and coverage questions instead of the insurance company. Your designated service advisor provides assistance when needed and walks you through the claim process.


Voluntary Benefits

You can give your employees the option to select policies a la carte. These benefits are chosen and paid for by the employee via payroll deferral and, in some cases, pretax. Policies available include dental, life, short term disability, long term disability, vision, and cancer/critical illness.


Health & Wellness Programs

The overall cost of your health insurance is based on your employees’ past health expenses. A wellness program can be put into place to incentivize employee wellness. The benefit of this can go well beyond the price point for your health insurance plan.


Workers Compensation
There are steps you can take to keep your employees safe at work but if they are injured, suffer from an illness, or even death as a result of their job, workers compensation provides coverage for expenses, lost wages, and rehabilitation services. This is different than a traditional insurance policy and we can help you manage the cost of work-related injuries.

Learn more >>

Corporate Retirement Plans
Leverage the experience of our retirement plan advisors to put the right plan in place for your business.

Learn more >>

Contact an Advisor

J.R.

Insurance
Advisor

Kyle

Insurance
Advisor

Julie

Service
Advisor

Benefits FAQs

Do you offer compliance advice for HR Managers and business owners?

Yes. Resources are provided here. To subscribe to our Employee Benefits Newsletter, contact Julie Yoder.

Does our group health policy cover employees while traveling in the United States?

Generally speaking, your policy will cover an Emergency Room visit if travelling domestically. However, if you are in need of non-emergent care, please call the Customer Service number on the back of your ID Card in order to be directed to an in-network facility.  Always refer to your Summary of Benefits and Coverage for detailed information about your plan benefits.

Does our group health policy cover employees while traveling internationally?

The coverage is very limited for interntational travel. An emergency doctor visit may be covered however most expenses are not. We offer Individual International Plans that provide better coverage while out of the country.

Is there any dental coverage for my children on a group health plan?

For Independence Blue Cross (IBC), yes.  IBC contracts with United Concordia to provide Keystone HMO and DPOS plan members with pediatric dental.

Members have to be assigned by United Concordia to an in-network provider before scheduling an appointment for their children.  For example, A Plus Family Dental Care in Harleysville is an in-network provider, but you have to call United Concordia first in order for them to assign you to this dental office.  They will then inform A Plus Family Dental Care that you have been assigned to their office and you can then schedule the appointment for your children.  In order to receive your assignment, please call United Concordia at 1-800-332-0366 and they will take care of you.  Make sure to have your ID card on hand when you call.

How do I find out if my doctor is in-network?

For Independence Blue Cross (IBC) plans, go to www.ibx.com. They have a “Find a Doctor” search to assist in finding in-network doctors.

How can we help?

We’re a small business and have been with Franconia for years now. Joanne, Kyle, Janelle, Julie, JR, Ben and Kristel are all very knowledgable, responsive and provide exceptional customer service. I wouldn’t hesitate to recommend them to anyone shopping for their business or personal insurance needs.


Karen F.

Doylestown

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