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NOTE: There's a lot here to digest, so we've
created a "printer-friendly" version of this page.
We offer the same health insurance products as
many other companies, so why
should you hire us?
Why? Because we believe that
our clients should receive the best possible
benefits at the most competitive rates, and
that we should offer the highest
level of service and expertise at a competitive
compensation level.
Why? Because the philosophy of our agency has
been to reinvest a portion of our commissions to
create added value for our clients.
The
following are an example of the enhancements and
services we have provided to our clients:
- We provided training, discounted Pedometer kits,
materials, web Information & tracking and trophies
- Why did we offer
this? Because 10,000 Steps a day = an 80% reduction
in departures from Good Health.
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- We offer custom Employee Benefit websites
that contain information specific to your
company's benefits, including:
- benefit summaries,
- provider directories,
- links to the carriers,
- HR resources,
- reliable medical resources,
- discount
programs and more.
- These websites are accessed with
a password, and can be linked directly to your
website so your employees and HR staff have quick,
easy access to all of their benefit information.
We also have electronic enrollment capabilities as a
new feature.
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- Helbling Benefit Consulting, Inc. is the only
agency in the area providing HIPAA Compliance and
Security Training Seminars and onsite evaluations
for its clients.
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- Helbling Benefit Consulting, Inc. has developed a
Corporate Discount Program for our clients with Dr.
Mark Kontos, the Leading Lasik Surgeon in the Inland
Northwest.
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- Helbling Benefit Consulting, Inc. has
worked
closely with the North Idaho Health Network to
provide enhanced services to local employers. Our
strong working relationship is born out of our
common desire to improve the health of our community
and make healthcare affordable for employers and
employees. We are able to provide the PWP and
Executive Summary to our clients at a nominal
charge.
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- Group and Individual Medical
- Dental
- Vision
- Life
- Disability
- Medicare Supplement
- Flex Spending Programs
- Long Term Care
- COBRA Administration
- Travel Accident, HIPAA
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- Self-Funding Contracts
- Stop-Loss
- Health Savings Accounts (HSA's)
- Health Reimbursement Arrangements (HRA's)
- Medical Expense Reimbursement Plans (MERP's)
- Flexible Spending Accounts (FSA's)
- Voluntary Employees' Benefits Association plans
(VEBA's).
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Broker Services
We recognize the challenge
employers face of attracting and retaining the most
qualified employees. We help employers meet
this challenge by creating and
maintaining the most suitable benefit plan
through the following:
- Learn the needs of each business
- Provide the employer with multiple options
from which to choose
- Prepare an easy-to-understand spreadsheet of
proposals
- Evaluate proposals based on rates, benefits, and
history of plan performance
- Analyze and compare contracts
- Advise in areas of insurance and state and
federal regulations
- Provide a
non-partisan perspective of carrier's
performance, attributes, limitations, and historical commitment
to Northern Idaho
- Provide structure to final selection of carriers
- Organize and present employee orientation
meetings
- Act as an advocate for the employer and
employees on a continual basis
- Help
resolve difficult problems
regarding claims, filing appeals, billings,
referrals, etc., for our clients
- On-line membership accessibility with carriers
- Monitor monthly, semi-annual, and annual claims
experience reports provided by the carrier with
the group agent presenting these reports to the
group representative and providing answers to
why activity may have increased or decreased
- Generate miscellaneous reports charting savings
or other significant changes
- Create Employee and Employer websites for ease
of plan administration
- Provide response cards and web site email access
for employee’s confidential contact with our
agency on sensitive issues.
- Provide Education and Leadership for Insurance
Committees and provide Educational Materials to
address specific concerns (see attached MERP
document)
- Union negotiation presentations
- Wellness and Walking Programs
- Extended Services for all School District
Retirees
- Produce total compensation illustrations for
employee education
- COBRA, HIPAA, 125 FSA, HRA, VEBA, HSA, MERP plan
consultation and implementation
- Assist School District Staff with all Aspects of
Benefit Administration
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