GROUP HEALTH INSURANCE
Group health insurance is often the cornerstone of a competitive employee benefits package. It is typically the #1 most requested insurance benefit by employees. But health insurance can be expensive and confusing. Aperture Insurance Solutions focuses on managing your cost, while designing your program thoughtfully to meet your employees’ needs. We can access all of the major insurance carriers, as well as a variety of self-insured programs and consortiums.
Sometimes group health insurance is not the right fit for an employer. Whether it is due to unfavorable group rates or just a desire for greater personalization of benefits, an Individual Coverage Health Reimbursement Arrangement (ICHRA) might provide a significant advantage as a partial or total replacement option. Aperture Insurance Solutions can provide an end-to-end ICHRA administration platform that includes an advanced payment option for employees.
DENTAL, VISION, LIFE AND DISABILITY INSURANCE
Whether voluntary or employer-paid, additional lines of coverage will help to round out a great benefits package. Dental, vision, life and disability insurance provide employees with access to care and protection from catastrophic losses. Aperture Insurance Solutions will provide a detailed comparison of dental and vision provider networks, as well as critical contract language to ensure your employees are protected.
SETTING ASIDE SAVINGS
Not all benefits are insurance products. Employees also want help paying for expenses and setting aside savings. Whether or not an employer contributes, employee can realize tax advantages or even just the convenience and discipline of payroll deduction. Aperture Insurance Solutions can help you implement Health Savings Accounts, student loan repayment plans, and emergency savings accounts. These programs will give employees the peace of mind of feeling prepared.
Open Enrollment Support
Even the best benefits packages are not always easy for employees to understand. Your employees’ perceived value of the benefits will increase with education. Aperture Insurance Solutions provides employee-facing education through a variety of in-person and on-demand methods. Our approach to open enrollment support not only helps the employee make their plan selections, but it allows us to reinforce the employer’s message while also introducing ourselves as a resource to your employees to support them throughout the year.
Employee Customer Service
DEDICATED SERVICE CONTACT
Employees typically dread calling the insurance company directly. The last thing anyone wants when they are dealing with a complicated medical need or insurance claim is another call center. Aperture Insurance Solutions provides each client and all of their employees with a dedicated service contact with a direct-dial phone number and email address. Your employees will always receive customer service on a first-name basis. Your employees can schedule a time directly on our calendar so we never miss their call and they never wait on hold.
Electronic Benefits Administration
ACCESS TO A SINGLE BENEFITS & HR PLATFORM
Administering employee benefits requires capturing elections, initiating enrollment, and ensuring accurate and timely processing. Traditional methods using paper applications and redundant data entry are time consuming and prone to errors. Aperture Insurance Solutions provides access to a single benefits & HR platform for your business. This tool allows you to manage employee benefits online with payroll integration and automated carrier enrollment. Additional features include new hire onboarding, HR management, PTO tracking, and ACA reporting.
HR & Compliance Support
PROACTIVE AND REACTIVE RESOURCES
The list of compliance requirements related to employee benefits grows longer every day. Employers must continuously track eligibility, adhere to filing deadlines, update plan documents, and react to changes. Aperture Insurance Solutions provides a variety of proactive and reactive resources to meet these obligations. Clients receive outsourced administration services for COBRA and 5500 filings, as well as HR tools for managing employee handbooks and employee training. In addition to regular compliance briefs, our compliance partners can also conduct a full compliance audit. And when challenging circumstances arise, clients have access to an outside team of HR and legal experts that can respond to employer-specific inquiries.
TOOLS FOR EMPLOYERS
In this competitive labor environment, it is important for employers to understand how their total compensation package compares to other employers. Salary and benefits fluctuate significantly from one job or industry to the next. Aperture Insurance Solutions provides benchmarking tools for employers. Clients can view detailed reports comparing their benefit design and costs to other employers within a desired size, region and industry. Clients also have access to a salary comparison tool, allowing them to view salary benchmarking by job title and location.