Your quick-reference guide. 

Think of us as your benefits hub.

Many employers have a limited or non-existent Human Resource Department, which can make it difficult to navigate the complex regulatory environment. That's why we partner with excellent companies to be your integrated “hub” for employee benefit resources.

We provide assistance in developing and designing employee benefit programs tailored to meet your specific company needs.  Our agency represents all of the major health, life, and disability insurance companies offering products in Oregon and Southwest Washington.

a few OF THE insurance companies we represent

BridgeSpan
Colonial Life
Health Net
Kaiser Permanente
Moda Health

services we connect you with

Cafeteria Plans:
Premium Only Administration
Flexible Spending Accounts (FSA’s)
Dependent Care Reimbursement
Transportation Reimbursement

Health Care Reimbursement Arrangements (HRA's)

Health Savings Accounts (HSA's)

Payroll Services

COBRA Services

Employee Assistance Programs (EAP’s)

Employee Wellness Programs

Voluntary Benefits

Partnerships with Human Resource Services

We will assist with implementation of employee communication and education programs. Our staff excels in providing superior and prompt assistance with claim issues, benefit questions and any other employee benefit related concerns.

• We are dedicated to helping you stay informed and will provide you with regular updates* and what it means for your business and you personally. As part of the service, we partner with a dedicated team of Human Resource professionals for your complex questions and needs.

• Annual Open Enrollment for Individual and Family Plans begins, November 1, through, January 15, 2025. However, Individuals and Families can apply and obtain health insurance coverage during Special Enrollment Periods if there is a Qualifying Life Event after this annual open enrollment period. Qualifying Events include the following:

  • Acquired Legal Guardianship, Adoption, Birth, Qualified Medical Child Support Order, Death of primary enrolled member causing loss of coverage, Divorce or legal separation, Eligibility for state premium assistance under Medicaid or CHIP, Exceeding lifetime limits on medical plan, loss of other health coverage except for non-payment of premium, Marriage or Registered Domestic Partnership, loosing dependent status, no longer residing in health plan service area, and plan discontinuation. In addition, various natural disasters may set up a special enrollment period.

  • We can assist you in evaluating the best Individual and Family Plan to meet your needs.
    

• Requirement: Summary of Benefits and Coverage (SBC). Employers must provide a summary of benefits and coverage (SBC) to all participants on the first day of the first open enrollment period that begins on or after September 23, 2012 for those enrolling or re-enrolling in group health plan coverage through open enrollment and on the first day of the first plan year that begins on or after September 23, 2012 for enrollments occurring outside of an open enrollment period. What happens if employers do not comply: Failure to provide the SBC could result in a fine of $1000 per enrollee.
  

• Requirement: W-2 Reporting of premiums. This is in effect, right now, for employers who filed 250 or more W-2's in calendar year 2011. Employers who filed fewer than 250 W-2's are exempt from this reporting requirement until further guidance is issued.
  

• Medical Flexible Spending Account Limits (FSA's). For plan years beginning on or after, January 1, 2025, are projected to be $3300 maximum with a $660 in rollover amounts allowed for the next calendar year.
  

• Women's Preventive Health. The definition of preventive care was expanded to include additional services for women as groups and individual policies renew on or after August 1, 2012. Member cost-sharing and dollar limits are eliminated for certain services when received in-network. These services include contraceptives, breast pumps and support, gestational diabetes screening, and screening and counseling services for things such as HPV, domestic violence, HIV, and sexually transmitted diseases.

ADDITIONAL RESOURCES

Listed below are several links to informational sources if you wish to access more detailed information about Health Care Reform.  In addition, PLEASE do not hesitate to contact our office if you have any questions.

• Department of Labor

• Healthcare Reform

  Oregon Insurance Division

*Disclaimer:
While every attempt has been made to ensure the accuracy of this information, federal and state regulations continue to evolve, and every employer's circumstances are unique. We recommend you consult with your tax and legal advisors, too.