Employee Benefits for your Group, Finding the Right ‘Fit’

Employee Benefits for your Group, Finding the Right ‘Fit’ with DH&B

Not all employee benefits bring the same value to employees. Not all workplaces have the same needs. Here we will take a look at some key considerations to look at when offering Employee Benefits for your Group.

Since 2005, Dublin Health & Benefit Group, LLc, (DH&B) has worked with groups in New Hampshire on benefit portfolio design. We spend a good deal of time to determine the right “fit” for your unique group. DH&B an independent brokerage and that means we represent you, the client, and not the carrier. We will only recommend the product(s) and carrier(s) that fit your needs so you can focus your attention on growth and sustainability, employee retention being key.

“I LOVE my job!” Sound good to you? The right benefits provide enough security to your employees who show up day after day, year after year, with complete job satisfaction!

Cost Savings

If insurance can be more affordable with a group plan, or on the marketplace with a possible tax credit, we’ll be sure to tell you. We can offer employees individual insurance (with possible tax credit if they are eligible) or recommend to you group health plan designs paired with HRA (Health Reimbursement Accounts), FSA (Flexible Spending Accounts), HSA (Health Saving Accounts) options. We balance the need for offering great, affordable health coverage while maximizing tax savings where we can find it.

When you pair a high deductible health plan with a HRA, FSA or HSA option, you create tax saving opportunities for the employer and employee to fund out of pocket medical expenses that are tax deductible.  Some of our partners are Group Dynamics, Benefit Strategies, and HealthEquity, all of who are third party administrators (TPA) who offer HRA, FSA and HSA administration at a low cost.  The employer can manage these plans with the TPA themselves or outsource this task to Dublin Health & Benefit Group, LLc for a small fee. Our job is to help small groups fill the management gaps that exists by providing solutions that are affordable and time effective

Group Size

We find that groups under 100 employees have great flexibility when designing benefit portfolios. Employers of groups under 100 employees know their employees on a personal level. Employees are like family and, in many cases, are wearing several different hats which makes them indispensable. We value all of your employees and will treat them like our family, too!

MORE ABOUT DH&B

It’s always important for us to understand your group size and your organizational structure to access whether offering everyone health insurance is feasible and in everyone’s best interest.

  • Should certain benefits only be available to full time employees?
  • How much should the employer fund toward the cost?
  • Does offering benefit disqualify employees from receiving a federal tax credit on the individual marketplace?
  • What happens if the group participation rate is too low for a group plan?

We have strategies to work through these challenges and many more as we explore with you the downfalls and opportunities between group health insurance and individual marketplace insurance. Believe it or not, we will talk you OUT of offering a benefit if we believe it is not the best “fit” for your group.

Let’s hear more employees say, “I LOVE my job!”

Give us a call today, Dublin Health & Benefit Group, LLC (DH&B)

603-563-8820 Group Department x 104

Individual * Medicare * Group Insurance and Ancillary Benefits
Dental * Vision
Life/Accidental Death & Dismemberment
Short Term Disability / Long Term Disability
Critical Illness / Accident Insurance
Digital HR Software and HR Solutions for Outsourced HR
Digital Employee Risk Management Solutions
COBRA
Section 125
HRA / HSA / FSA

Digital Employee Management Solutions for Groups size 2-100

One Call Does it all!

Dublin Health and Benefit Group, LLc has expanded it’s team, and is offering more services!

New Digital Employee Management Solutions for Groups size 2-100 have been added to the menu of group employee benefit products.

Are you ready for a new digital employee management solution to help you move your employee files online? Our digital employee platform makes it easy for even non-tech savvy employers and managers. This secure platform will help move your workplace to a whole new level as you begin to implement the following employee management processes online:

  • Digital employee files with 7 year record retention
  • Online new hire on-boarding online complete with digital signing of I-9 and W4 forms
  • Employee time off management system with mobile app
  • Integrative solutions to work with select payroll processing companies, and employee benefits administration.

Paired with our HR Solutions software you can also enjoy:

  • Compliance and risk management resources
  • Workplace safety learning library
  • HR Advisors hotline with unlimited access for advising
  • Handbook builder tool
  • more…!

One call does it all! Dublin Health & Benefit Group LLc is a great resource providing group benefit solutions throughout New Hampshire.

In case you didn’t know it, here is what we offer for groups, individuals and Medicare clients:

  • Health, dental, vision insurance
  • Life, STD/LTD, critical illness, accident insurance,voluntary life
  • HR outsourced solutions- advisors, compliance tools
  • Flexible spending accounts/ Health reimbursement /Health savings account solutions
  • Cobra administration solutions
  • Group, Individual, Medicare Supplements and Advantage plans, Part D – health insurance
  • Short term medical insurance
  • International travel and medical insurance

One call does it all! Dublin Health & Benefit Group LLc 603-563-8820

Employee Benefits x104

Individual and Medicare x101 and x109

Should I have Dental Insurance?

Delta Dental…should I have dental insurance?

 

Should I have dental insurance? This question comes up at Dublin Health and Benefit Group all the time.  3 scenarios below detail when the answer should be “DEFINITELY YES”, “MAYBE” OR “PROBABLY NO”.

No matter what you decide, the advantages of owning a plan include:

  • Pre-negotiated discounting of services so when you need care it is less expensive or paid by insurance;
  • Dental expenses are monthly budgeted rather than a sudden budget busting catastrophe;
  • Higher likelihood you will maintain your teeth and discover problems early on…people with coverage are more likely to go for preventive services;
  • Helps manage ongoing care plans from year to year.

       Definitely Yes                             Maybe                              Probably No

I have a care plan with multiple thousands in care anticipated. I only do preventive care but like the budget approach to access (limited resources). I only do preventive care and I have unlimited resources.
I am adhering to a tight monthly budget. I do preventive care and an occasional filling. I have a fully funded H.S.A with plenty of money to self-insure.
I want to consistently get routine care and don’t like surprises. I need cleanings but also have Periodontic needs. I have dentures and don’t need care.
I am seeking discounts for the cost of care. I have a fixed income and large unexpected expenses are difficult for me to handle I don’t have teeth or dentures.
My children need braces 6 months or more from now.   I have very limited resources and other priorities leave me broke each month.

 

Next Step: So Should I have Dental Insurance? If you answered “Definitely Yes or Maybe”…call us at 603-563-8820 or email sales@dublinhealth.net  for advising about plan options.

Or Enroll NOW yourself!

Individual Health Insurance is also available.

Adding Low Cost, High-Value Insurance during Pandemic

Adding Low-cost, High-value Benefits during Pandemic

 

If you are an employer who has been impacted by staffing and payroll challenges during this COVID-19 Pandemic crisis, you’re not alone. A large majority of NH businesses anticipate a significant decrease in revenue resulting from state shut-down mandates, classification of essential vs. non-essential workplaces, and quarantine related staffing challenges. It’s no wonder groups are now looking at adding low-cost, high-value benefits during pandemic times.

Low-cost, High-value Benefits

Low-cost, High-value Benefits like ancillary benefits ( Life Insurance / Accidental Death & Dismemberment Insurance, Short-term / Long-term disability insurance) provide great financial security to employees concerned over unplanned medical events. An employee who is out is going to juggle not only their medical recovery needs, but also the priority of paying their bills. This raises the question for employers, how will they continue paying their share of health insurance?

When Life Insurance / Accidental Death & Dismemberment Insurance, Short-term / Long-term disability insurance are offered, it is very simple to include a voluntary critical illness or accident insurance policy which is paid for 100% by the employee. Because who isn’t worried about accidents and cancer devastating our very comfortable and familiar lifestyle? And if you offered these benefits now, just think about the relief any employee will have when a medical leave is inevitable.

Quarantine Benefit Rider

Groups with a Quarantine Benefit Rider embedded in their Short-term disability policy, brings an added financial benefit to employees, particularly right now. Should an employee be required to “quarantine” without illness, the Quarantine Benefit Rider act like a short-term disability policy and will continue 60% of their pay. While certain terms will apply, the rider protects the employee from severe financial disruption while helping the employer keep their workplace healthy and productive. I should add that this rider is no longer offered with NEW quotes from Guardian but the carrier will honor the proposals dated shortly prior to the events of COVID-19 for a brief period of time.

Not only are we independent, bringing you access to quotes from ALL carriers, but we specialize in benefits portfolio designing!

We, at Dublin Health & Benefit Group, LLc, offer a comprehensive approach to benefits portfolio designing, tailored specifically to the unique needs of each employer group. Often a new group will begin with just what they came for, a group health plan. But as we learn about the group and start to see cost saving options that will bring added value, we will bring it whether the solution is offered through us, a vendor or partner. Our partners work closely with us and our group clients on customized benefits portfolio designs!

Dublin Health & Benefit Group LLc has offered Group, Individual, and Medicare insurance throughout New Hampshire since 2005. With over 30 years of experience, our friendly Employee Benefit Brokers will treat your employees like family. We truly act like an HR-benefits branch for each of our group clients as designed, making ourselves very approachable by employees at all levels.

 

Quote your group with Dublin Health & Benefit Group, LLc and receive a FREE trial to our outsourced HR solutions!

  • Rebuild your handbook
  • Tap into workplace compliance resources
  • Complete free professional development and compliance training e-learning course
  • Seek HR advising for your most complex HR/employee management workplace

Extended subscription may also include OSHA 10 hour general industry training courses, workplace safety courses, equipment safety courses …and more!

Companies with 15+ employees may subscribe to our Employee Onboarding tools, offering a secure workplace portal to manage employee onboarding, digital employee files, and a time-off management calendar.

If you’re interested in quotes to add low-cost, high-value benefits for your team,

Call Dublin Health & Benefit Group, LLc today for a group quote!

Individual Insurance * Medicare * Group Insurance

603-563-8820 x104

 

 

 

 

 

 

 

 

Open Enrollment 2020 Deadline for Medicare and ACA Federal Plans

Health Insurance Marketplace Open Enrollment

You know it! It’s that riveting time of the year when you get to pick your health insurance plan for 2020. Well, guess what? It’s still happening! And we’re here to help clarify a few final things.

We help individuals with all aspects of enrollment and plan management, and our services are paid for by the carrier in most cases during Open Enrollment!

Every year Dublin Health & Benefit Group enrolls thousands of individuals in Affordable Care Act plans through the marketplace or directly through the carrier, and on Medicare supplemental plans, Medicare Advantage plans, and Part D Prescription plans.

We advise individuals on how to best achieve a tax credit, and how to manage their finances to retain their tax credit throughout the year. We help individuals select their next health plan, verify coverage based on their needs, and help ensure their providers and medications are covered under their elected plan.

Now, if you’re reading this, that means you know the importance of keeping up with this deadline. Anyone who misses the Open Enrollment deadline (November 1-December 15) will not be eligible to enroll in an ACA medical plan for 2020 unless there is a Special Enrollment Period you qualify for…more on that below.

Medicare Open Enrollment

Medicare Open Enrollment is just as stringent. Anyone seeking to make changes to their Medicare Advantage plan or Part D Prescription plan must do so between October 15-December 7. Learn more about Medicare options

Here’s what you need to know about Special Enrollment Period (SEP)

A time outside the yearly Open Enrollment when you can buy health insurance.

You can qualify for SEP if you’ve experienced what’s known as a “life-changing” event.

Examples of life-changing events:

  • turning 26 and aging off your parent’s plan
  • getting married
  • adopting a child
  • losing health coverage
  • having a baby

If you’re unsure that you qualify for a life-changing event but are seeking medical insurance, give Dublin Health & Benefit Group a call to see if you qualify. Most SEP’s have a 30-60 day window of opportunity so make that call soon!

As always, if you have any questions whatsoever, please call our friendly customer service team: 603-563-8820. We know health insurance is complex and confusing, and we’re here to help simplify things for you.

We’ll see you during Open Enrollment!

– The Team at Dublin Health & Benefit Group, LLC

Help, I Need Health Insurance!

Is it too late to enroll for 2019?

While we enrolled most of our clients on Healthcare.gov during the annual Open Enrollment period (November 1st-December 15), we continue to enroll new clients on a year-round basis on the individual marketplace, www.Healthcare.gov. The criteria for enrollment outside Open Enrollment, however, does require an individual qualify for a Special Enrollment Period (“SEP”).

A SEP is created through a life change, which may include “losing health coverage, moving, getting married, having a baby, or adopting a child” (Healthcare.gov/glossary/special-enrollment-period/). Usually, there is a 60-day window following a life change event to enroll in a plan. If you miss that window, you must wait until the next Open Enrollment Period (November 1-Dec 15 for a January 1st plan the following year).

Other than those life changes listed above, there are additional life changes that could create a SEP:
• Turning 26
• Becoming pregnant
• Change in disability status, tax filing status, immigration status/citizenship
• Incarceration/release from incarceration
• Someone in your household losing coverage or becoming eligible for Medicaid
• Someone in your household getting an offer of job-based insurance

*There are other opportunities for SEPs not listed here.

Should you need insurance anytime the most important advice we can give you, is to call us immediately to go over options because some options available today may not be available tomorrow if you miss the SEP window of opportunity.

The team at Dublin Health & Benefit Group, LLc specializes in Individual, Group, and Medicare Insurance options from all major carriers in the state of New Hampshire.

Please schedule to discuss your circumstances with one of our team members today!
603-563-8820
info@dublinhealth.net

Individuals * Medicare * Groups

Medical Travel Insurance

What would you do if you were overseas and knew you needed to seek immediate medical attention?

The costs could be astronomical and navigating through conversations about your care, and its related costs, may not be provided in a language you could well speak? Or if you wanted to ultimately be treated in the US by your physician but needed medical stabilization prior to your return.

What would you do? While assisting you with providing care in a language you can understand isn’t a service we provide, Dublin Health & Benefit Group can certainly assist you with obtaining a universally understood method of payment, insurance.

“You may not speak our language, but we see you have insurance!”

Who is medical travel insurance most recommended for? Medical travel insurance is recommended for anyone who doesn’t regularly travel outside the US. It’s really is as simple as that, and it’s cheap! It is for the common, everyday traveler who is most at medical and financial risk during their international travels, because they are the ones whose health plans do not prepare them for the medical and financial risks, they may incur during travel overseas.

Most at risk during international travel are individuals both under and over age 65; those traveling for vacation; traveling for retreats or other purposes not otherwise related to work.

Dublin Health & Benefit Group, LLC offers International Medical Insurance and Travel Insurance to protect individuals against high medical costs, trip cancellation reimbursement, repatriation, among other circumstances. If you’re prepared to incur tens or hundreds of thousands of dollars in the event of a medical event, international travel insurance is still for you!
IMG is a carrier we have recommended to our clients. It’s easy to enroll, and it’s important to have.

Here at Dublin Health & Benefit Group, LLC, we support you, as our client, by helping you choose a health plan that’s right for you or your team of employees.
Please schedule to discuss your circumstances with one of our team members today!
603-563-8820

info@dublinhealth.net

Report on 2018-2019 Open Enrollment

Good news! Rates stable or going down in 2019

ACA, Obamacare, or Healthcare.gov

No matter what you call it continues to be controversial, continues to have divided support and is hotly debated no doubt. This program jumps into the fray with an open enrollment season running from November 1st through December 15th. The tax penalty is still open to interpretation but at this writing appears to go away for 2019.

One problem with the penalty, however, is that it takes the focus off having health coverage at all. Penalty or not you still retain the risk of a large health claim. Dublin Health’s Colleen Gutwein and Michelle O’Sullivan regularly work with people in this market and are quick to point out “remember the real penalty is lost peace of mind and a large risk left uninsured is a recipe for financial disaster”. No matter your path or challenge with navigating healthcare in the region the team at Dublin Health & Benefit may be able to help. “It’s a little bit crazy around here right now but all here are willing to help,” says Managing Director Ken Woods. 603-563-8820 or www.dublinhealth.net for more info.

The above is reprinted from the Shopper News front page article on October 3rd, 2018 beginning next Thursday open enrollment begins and as usual there are 20 ways to hang yourself if you navigate the programs yourself but there is much good news to report!

The general climate

Rates are slated to stay about the same or go down depending on whether you are receiving a tax credit or not. Our expectations are projected to be a reduction ranging 11% – 20%. Those receiving tax credits with all other things being equal will likely be stable. Plans are about the same in 2018 as they were in 2019. Tax credits are still available to those who qualify and will roll over in a passive re-enrollment scenario. Once again no one carrier is coming in with “fire sale” pricing and the pecking order is the same as it was in 2018.

Passive re-enrollment, which requires you do nothing, is available from Anthem, Harvard Pilgrim and Ambetter. What this means is that you need to do nothing if you are happy with your current plan and benefits. Everything will simply map to the 2019 plan most closely aligned with your current plan. Just be sure to confirm that any auto draft is continued as 1st payment for 2019 is due by the 10th of January and we recommend paying and checking sooner to avoid lapse. Keep an eye on your statements to confirm the auto pay transaction has taken place by January 10th.

Passive re-enroll is good for most, but specific situations call for a consult with our brokers. Some examples are:

  • You have a complex income and tax situation and need to strategize to achieve a tax credit
  • You have significant changes in care needs
  • You have significant changes in medications particularly involving brand name drugs
  • You are unhappy with your current plan
  • You have significant or drastic changes in projected income for 2019 (up or down)
    • Remember small adjustments can be made at any time throughout the year by calling the office.
  • You need to add or drop dependents
  • You are aging into Medicare in 2019

Contact information for the entire team can be found at www.dublinhealth.net

Unlike last year we are in a fairly stable environment with ACA, Obamacare, or Healthcare.gov… some might even call it boring! Then again in health insurance boring and stable is good.

Happy Holidays to all.

Important 2019 Medicare AEP Open enrollment period 10/15 – 12/7/2018

To the many hundreds of clients and friends who depend on our guidance for their Medicare Supplements, Advantage Plans and/or Part D Prescription plans and to those you refer to our office: I want to offer a simple snapshot of the options before you for 2019. I address each of the possible scenarios in hopes that you can identify your current situation and determine what additional steps you wish to take so that you can proactively work with us, to maximize your program value during this open enrollment season as we move into 2019.

Medicare Supplement policyholders

If you like what you have and it is meeting your expectations for coverage and budget, you are probably in the right place as rates adjust for cost of living only and are fairly stable with nominal increases. Your age is locked in at entry age so moving to a different carrier does not typically yield savings. Exception: You wish to learn more about Advantage plans like an HMO or PPO or PFFS or SNP.

Medicare Advantage policyholders

If you like what you have and it is meeting your expectations for coverage and budget you are probably in the right place, but you should review the renewal information from your current carrier to make sure the premium is still affordable and the formulary for the drug component is still covering all medications. If so, than we should stay the course. We will also monitor these programs and if a significantly better value emerges, we will reach out to you via phone call and/or email. Note: A zero cost plan will be offered by Harvard Pilgrim Stride this year. Exception: You are unhappy with your plan or wish to explore a supplement.

Prescription Drug Plans (PDP)

This is an area we encourage all of our supplement clients and anyone with a stand-alone PDP to evaluate yearly as premiums change, formularies change, plan designs change, carriers change, your medications change and carriers come and go each year.  It is the most volatile component in your program. If you do nothing you will be automatically re-enrolled if the carrier is remaining in the marketplace but alternatives are worth a look. Exception: You have evaluated the renewal communications from your current carrier, are satisfied your drugs are on the formulary, the carrier has performed to your satisfaction and new premium is acceptable to you.

What Dublin Health will do for you

  • Current clients: We will reach out to you by phone and/or email over the next two weeks to invite and answer questions about plan changes either in person at the office or over the phone.
  • We will serve you and/or someone you know who desires guidance as an AEP (existing Medicare beneficiary) or IEP (New to Medicare friends you are referring) and SEP (Special election period) beneficiaries going through a life change needing guidance.
  • After receiving a signed  Scope of Appointment (click the link to complete and sign) we will assist you in learning about and enrolling in any plan changes or new plans you wish to pursue.
We will always relentlessly pursue the best values existing in the current marketplace and be a resource to you in your effort to understand and select the best options based on your needs and financial resources. Contact our office at 603-563-8820 or email jennifer@dublinhealth.net. All of our agents are properly licensed and appointed to handle Medicare Products and look forward to working with you.