Cost Sharing
Cost sharing is in a league of its own. If you are looking for coverage that gives you negotiation power with the hospitals, but an advocate who handles that for you, then you will want to learn about this tool that Healthsite X St. Louis has in their product offering.
Direct Primary Care
Welcome to 2020 where most doctors visits are now virtual. After having one-on-one meetings with over 1000's of employees, the main thing we have learned is, most do not have primary care physicians. By creating this as a piggy back to Cost Sharing we are able to create a very affordable, comprehensive benefit offering for your employees.
Tax Advantage Plans
Through our Third Party Administrator we offer Payroll Tax Advantage Plans. Through this plan they administer a Section 125 and Section 105 which creates benefit banks for the employees using pre-tax dollars to purchase their benefits. In turn this reduces the employers payroll taxes.
Value Added Services
Through our voluntary benefits carrier we are awarded the ability to offer two value added services when two of their benefits are offered, at no cost to the employer.
The services are as follows:
Complimentary AD& D coverage (rules do apply)
Identity Theft Protection
Student Loan Assistance
Telemedicine
Health and Services Discount Card
Employee Financial Wellness Program
HRAnswersNow
Voluntary Benefits
Not all voluntary benefit companies are alike. After working with several companies, Healthsite X St. Louis has partnered with, Colonial Life to be their go-to carrier for voluntary. The ease of administration for the employer is top-notch, and the claims process for the employees is the best I have seen. The product offerings are as follows:
AD&D
Short-Term Disability
Dental
Vision
Accidental
Hospital Gap Plans
Critical Illness
Cancer
Term Life
Whole Life