BIG-SCHOOL BENEFITS
ON SMALL-SCHOOL BUDGETS
A Unique Insurance Trust for Our Franchise Partner Schools
THE PROBLEM
As we all know, health care costs and health insurance premiums have steadily risen
at nearly unsustainable levels over the last two decades or more. Experts predict that
premiums will continue to escalate again by close to 12 percent for 2016.
COMPOUNDING
THE PROBLEM
The Affordable Care Act’s community rating models and pooling formulas restrict
healthier groups from the rewards (lower premiums) of being healthier than the
average.
HOW HAVE MOST
DEALT WITH RATE
INCREASES?
Most employer groups’ responses have been limited to increases to cost sharing
(higher deductibles, co-pays, premium percentages through
payroll deductions).
THE RESULT IS EMPLOYER AND EMPLOYEES ARE PAYING MORE
AND GETTING LESS.
HOW HAVE YOU
DEALT WITH RATE
INCREASES?
•
•
•
•
Promote wellness programs?
Introduce Consumer Driven Health Plans?
Drive employees to tailored provider networks?
Offer health incentive arrangements?
HOW CAN YOU ASSESS IMPACT WITHOUT KEY DATA?
THE SOLUTION
Our new program is a unique kind of Insurance Trust. It combines (pools) a
number of qualified preferred risk schools to harness the purchasing power that
comes with hundreds of schools and thousands of employees.
QUALIFIED GROUPS CAN SAVE UP TO 18% ON THEIR PREMIUMS
WHAT MAKES OUR
SOLUTION UNIQUE?
• Leverages the purchasing power of our national footprint with hundreds of
schools and thousands of employees
• Leverages the favorable health risk profile of the education industry producing
big school buying clout
• Flexible plan designs tailored to your needs
WHAT MAKES OUR
SOLUTION UNIQUE?
• Risk-screening to assure that the pool sustains the lowest possible rates
• Risk-free, fully insured HMO/EPO and PPO medical, dental, vision, & life
plans
• 4-tier composite rates, regardless of member age or school size
• Simplified administration, billing
STREAMLINED
ADMINISTRATION
SECURE ONLINE BENEFIT
ADMIN PORTAL
You take care of your business. We’ll take care of the benefits.
Benefits & Insurance
Paperless Enrollment
Automate your open enrollment
process. Employees can enroll in
any plan type including Health, Life,
Disability, Voluntary Benefits, and
more.
With powerful reporting tools, EDI,
and electronic signatures, your
company can go paperless.
Onboarding & Offboarding
Document Library
Welcome new hires through a
simple process. Stay compliant by
storing I9s, W4s, and other forms
online.
Employees can quickly access
company and HR related documents
from a secure document library.
Rate Quoting
Benefit Statements
Save time and money by generating
rate comparisons for your company.
Show employees the details of their
benefit packages.
SECURE ONLINE BENEFIT
ADMIN PORTAL
• COBRA / FSA / HSA
administration
• Seamless electronic eligibility data
transfers
• Tools to simplify the billing
reconciliation process
SECURE ONLINE BENEFIT
ADMIN PORTAL
• Employer and employee self-service web portals
• Employees guided through a highly personalized shopping and enrollment
process
• Employees can access benefit information 24/7
• Can request life event changes online
SECURE ONLINE BENEFIT
ADMIN PORTAL
• Advanced Reporting
• Library of standard and custom reports
• Tracks eligibility for end of year ACA reporting
GREAT COVERAGE
COVERAGE OPTIONS
• Coverage is through United Healthcare, with one of the biggest and best
HMO and PPO networks in the country
• A variety of plans that fit your employees needs with low deductibles and
affordable co-pays
• All plans meet minimum coverage mandates of the ACA
COVERAGE EXAMPLES
United Healthcare
PPO Plan 5
Plan Features
Lifetime Maximum
Unlimited
Unlimited
Deductible (Annual)
-Individual / Family
$1,000/$2,000
$2,000/$4,000
Co-insurance (Plan Pays)
20%
40%
-Primary Care Physician
$20
40% after ded
-Specialist
$20
40% after ded
-Individual
$3,000
$10,000
-Family
$6,000
$20,000
-Inpatient
20% after ded
40% after ded
-Outpatient
20% after ded
40% after ded
Emergency Services
$100
$100
Urgent Care
$50
40% after ded
Preventive Care (Plan Pays)
100%
100%
Prescriptions
Mail Order
$15/$30/$50/$100
2X
Physician Office Visit
Out of Pocket Maximum
Hospitalization
COVERAGE EXAMPLES
Plan Features
United Healthcare
Full HMO Plan 1
Lifetime Maximum
Unlimited
Deductible (Annual)
-Individual / Family
$0/$0
Co-insurance (Plan Pays)
0%
Physician Office Visit
-Primary Care Physician
$20
-Specialist
$40
Out of Pocket Maximum
-Individual
$2,000
-Family
$4,000
Hospitalization
-Inpatient
$250 PA
-Outpatient
$125
Emergency Services
$100
Urgent Care
$50
Preventive Care (Plan Pays)
100%
Prescriptions
Mail Order
$15/$30/$50/$100
2X
SPONSOR OF THE TRUST
The NPEAA was started with the mission to impact the world through education. The
vision of a thriving society starts with an education system that incorporates growth
from an intellectual, social, emotional, and spiritual perspective. The NPEAA believes
that incorporating these four pillars into our schools today will lead to a world filled with
knowledgeable, active, and compassionate young people.
NPEAA’S STRATEGY
In order to change the culture of learning, independent private schools will have
to share this same vision of a renewed educational system. However, without
access to resources that are competitive to the public school system, private
schools do not have an effective platform to promote this vision. The NPEAA
bridges this infrastructure gap by addressing the following common
shortcomings in private education:
• Administrative efficiencies (Group Purchasing of a variety of products &
services including; IT, business development, fund raising, tuition
financing, student recruiting, insurance, accounting, etc.)
• Legislative compliance
• Technological expertise
• Special education protocol
NEXT STEPS
Contact Glen Hellings at Insurance Brokerage Services to answer any
additional questions or to sign your school up for this game changing
program.
Glen Hellings
Insurance Brokerage Services
31521 Camino Capistrano, Suite A
San Juan Capistrano, CA 92675
949-661-6622
Toll-Free: 888-281-1082
Email: [email protected]