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Starts:7-Mar-14 10:58 p.m. GMT
Ends:21-Mar-14 10:58 p.m. GMT
Award 1: $539, was awarded to frontend
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We represent the antidote to the Patient Protection and Affordable Care Act (aka ACA and/or ObamaCare) via Health Options Plus. Health Options Plus is a partially self-funded employee benefits solution for small-to-medium sized businesses (target is 25-125 employees, but there's no upper limit on how large an employer we can serve). For more info, visit www.healthoptionsplus.com. Watch the two minute clip on the landing page and then go to the About Us tab. They're you'll see a comparison of a fully insured plan (which means all monthly premiums go to a large insurer like Blue Cross Blue Shield, United, Cigna, Aetna, etc. which then, in turn, administers the account and pays all claims) and Health Options Plus (which means all premiums go to a Trust account owned by the company/customer and which all employee claims are paid from). Both approaches are designed to build funds to pay claims that exceed the claims that are paid. The difference is, in a fully insured plan, the money left over belongs to the insurance company to fund their operations, pay dividends and executive bonuses. In our plan, the money left over belongs to the company/customer and is rolled over into the next plan year for the benefit of the company and their employees. The reason we call our plan partially self-funded is because we include stop/loss or reinsurance in every plan. That way, we can determine actuarially what the company will likely pay in claims in a given year and fund the plan to cover the expected claims. Anything over and above the expected claims are covered by the stop/loss provider - which is paid for as a part of the employees' monthly premiums. Our plan is designed under an act called ERISA - employee retirement and income security act - that has been around since 1974 and falls under the U.S. Dept. of Labor. Fully insured plans are regulated under the U.S. Dept. of Treasury, which is what dictates ACA/Obamacare. Our plan is completely insulated from ACA mandates, taxes and most fees. It turns a necessary-evil expense into a company asset by virtue of the Trust account that is built year over year. Most companies over 1000 employees have been self-funding for 40 years. Small-to-medium sized businesses have had the option to do so, but until now, there haven't been any turnkey solutions for them. So, if they wanted to take advantage of what larger companies were doing, they had to have the money to invest in figuring our the piece-parts of a self-funded plan to pull it off successfully. These piece-parts include a third party administrator (TPA), a prescription benefit manager (PBM), a wellness/prevention plan, a network of providers and a financially sound stop/loss provider. Since this isn't something they really understood how to do correctly, many of their attempts failed to deliver the desired results. That's where we've come in. We've built and are delivering a very compelling business solution to the SMB market.
As long as it can be viewed on all popular web engines and mobile devices, we're good.
4 - Home, About US, Join Us, Contact us - and a link to www.healthoptionsplus.com
Health Care and Biotech
Small to Medium (SMB) marketplace, defined as 25-500 employees. Actual target is 25-125, but there's really no upper limit on size. Benefits brokers that are tired of shopping for the least worst solution for their customers every year (they shop until they drop and have to deliver a message they don't believe in - "this 20% increase looks pretty good...". We want brokers who want and can deliver solutions to their business customer that are looking for something better than just another rate increase. Owners that want to take control of what their spend on health care and for their employees well-being.
1). Simplicity - this is a simple concept to understand for business owners that buy employee benefits and a simple solution for benefit brokers to understand and sell to their existing books of business.
2). Turn-key solution for self-funding. Take advantage of what every large company has been leveraging for 40 years. We're leveling the playing field for the SMB market.
3). Control - turn that expense into an asset and control costs and positively affect the health of your employees.
Self-funding employee benefits plans for the SMB space is the future. Turn-key solutions that can be plugged in and run with will make the difference. There are VERY few competitors doing what we've done, which was to start with a clean sheet of paper, design the plan with all of the partnerships necessary to offer and deliver a turn-key solution - and then package and deliver it. We spent 18 months building these relationships before we launched Health Options Plus last October. Large, fully insured players are beginning to enter the space, because 'self-funding' is a buzz word in the industry for the the SMB space. However, they've designed their plans to share in any money left over at the end of the year INSTEAD of leaving it all in the company's Trust account, which is what we do.
Simple. Not cartoon-ish, but Simple. That's our mantra. Simple for business owners and simple for employee benefits agents to understand and take to their existing customers - as a solution.
We tend to like red, white and blue, but we're open.
Haven't thought of this.
Simple, simple, simple.
Since our primary market is employee benefits brokers, we need to get them to understand our five-step unique process to get them engaged - and to get their customers engaged:
Remember the days before the medical bunny hop? Neither do we. (Note to Crowd Spring: the Bunny Hop is analogous to shopping for a better plan every year).
The evolving demands of the health insurance industry have provided us an opportunity to stop listening, and start creating. This is your opportunity to solve your client’s biggest challenges…the rising costs of health care. The bunny is finally sleeping. Now is your chance.
The Clarifying Connection
Simply put, we’re looking for mavericks. We want agents who truly desire to serve as trusted advisors. To ensure we attract and retain the highest caliber agent, our first step is to get a clear understanding of your current circumstance. We want to ensure you are looking to make a difference in the market, and more importantly, that we can add serious value to your business.
The Empowerment Forum
If we identify a mutual fit, we’ll invite you to join our ranks and provide everything you need to successfully deliver in the market. Our training program will provide all the tools, resources, and strategies you need to bring this back to your book of business. You will be absolutely FIRED-UP to go be a pioneer in the market!
The Dare-to-Compare Difference
We’ll run a preliminary quote for you to illustrate the potential savings before you have to commit to another full-blown carrier change. We’re so confident that when you see the cost savings not only in the first year, but for YEARS thereafter, you’ll eagerly look forward to this change once and for all.
The Simple Switch
With a single point of contact for ALL your servicing needs, we will seamlessly transition your clients to their very own personalized, top-shelf product. You’ll be free to grow your business and your clients will be empowered to take control of their costs….and their health.
The No-Brainer Retainer
With health concerns and rising costs now under control, you will spend less time shopping rates and more time growing your business. You can work less and make more in the confidence that your clients are saving money and you are making a difference in their world.