The Health Benefit Alliance, Our Strategic Difference
The Health Benefit Alliance is a coalition of nationally recognized leaders in the healthcare industry who have teamed up to deliver the most comprehensive and cost-effective suite of Affordable Care Act (ACA) compliant solutions.
Combining the most innovative and advanced administrative technology, data and predictive analytics, network access, medical management, and level-funded alternatives, The Health Benefit Alliance has produced superior outcomes.
The Health Benefit Alliance delivers a spectrum of benefits on a single administrative platform under a single risk umbrella, at times utilizing multiple networks, resulting in year-after-year, unparalleled results.
We have created the most affordable and sustainable Affordable Care Act (ACA) compliant healthcare solutions for employers, employees, and Taft Hartley groups, and under-served populations such as Pre and Post age 65 retirees, early retirees, sole proprietors, and 1099 workers.
Comprehensive Suite of Affordable Care Act (ACA) Compliant Solutions
At The Health Benefit Alliance, our primary goal is to design and manage Affordable Care Act (ACA) compliant health plans that minimize costs for your organization while maximizing care for your employees.
All of The Health Benefit Alliance solutions are ERISA compliant, available in all 50 states, and follow all applicable state guidelines and regulations. They range from the most robust set of Minimum Essential Coverage (MEC) and Minimum Value Plan (MVP) options available, on up to the most comprehensive Qualified, Metallic equivalent solutions available in the market.
These solutions are not designed to exempt plan sponsors or beneficiaries from applicable State and Federal regulations, but are designed to efficiently and completely satisfy these regulations.
The Need for More Affordable Benefit Options
According to a recent survey by the Kaiser Family Foundation and the Los Angeles Times, employees were asked to choose the most important feature in a health plan, 60% choose cost-related factors, such as lower premiums, deductibles, or co-pays, while about 25% choose coverage-related factors including choice of providers or range of covered benefits. These statistics are essentially the opposite of what they were in 2003.
The Health Benefit Alliance recognizes that employers want to keep costs down while employees and their dependents are facing serious challenges in paying for the health care or benefits that they need. The survey found that 54% of employees or their dependents have received or are receiving treatment for a chronic condition such as hypertension, asthma, diabetes, heart disease, a serious mental health condition, or cancer.
The survey also found 6 out of 10 people reported that they or dependent skipped or postponed medical care or prescription drugs they needed because of costs, or tried a home remedy instead because about half, 49 percent, say they or a family member had problems paying medical bills or difficulty affording their premiums, deductibles, or co-pays in the last year, thus causing them to cut back on care. On top of that, high deductibles make things worse. Among those with chronic conditions whose deductibles are at least $3,000 for an individual or $5,000 for a family, 75% report skipping or postponing some type of care.
We Customize Health Benefit Plans The way they work for you.
Our aim is to know and understand your needs so well the products and services you choose fit your organization perfectly.