ClaimLinx office closed on March 30

The ClaimLinx office is closed on Friday, March 30 to celebrate the holiday with family and friends. We appreciate our clients and partners’ understanding of this time for rest and relaxation for our team.

Please plan any inquiries or need for assistance accordingly. All phone calls and emails will be returned upon our return on Monday, April 2. If you have any issues or questions, please feel free to contact us and a team member will get back as soon as possible.

We’re wishing all of our clients a very happy and rejuvenating weekend!

Savings creates opportunity to reinvest in employees with Aflac

ClaimLinx and Aflac – they go together like salt and pepper. Good on their own but even better together.

As experienced consultants, ClaimLinx shows businesses how to save money on their health insurance. Using a unique, time-tested strategy for purchasing benefits that combines traditional insurance through a major carrier with a self-funded plan, businesses can save 20 percent on their health insurance plan.

But what should owners do with all that savings?

We suggest taking that cash and reinvesting it in employees. The lower fees for the health plan easily free up funds to start a Benefits Bank with enhanced coverage through Aflac.

Owners can choose plans for employees or set up a specific dollar amount and let employees choose which coverage they would like for themselves and their families.

Aflac has so many insurance plans available there’s something for everyone. Employees can choose from options like accident, life, critical illness, short-term disability, dental, vision and more. And the best part is employees also get the exclusive perks Aflac provides, such as a wellness benefit, one-day pay and a wide range of coverage options.

Supplemental insurance is often an important component to having a complete plan should tragedy strike for an employee. It can be a vital source of funds if gaps in coverage on a regular health plan occur. After all, the last thing anyone wants to worry about during an emergency is how to pay for care.

It sounds like a luxury for most employers – providing that level of coverage. But it doesn’t have to be.

Because ClaimLinx helps lower the cost of the overall health plan. Then the additional coverage through Aflac is purchased with pre-tax dollars. That means at no extra cost than your current health plan, you are able to not only keep current employees happy by improving benefits but also increasing your competitiveness in the job market.

So with all these additional benefits, can you really afford not to make the switch?

Changes to Our Phone Operating System

Last week ClaimLinx conducted a trial of a change to our customer service phone operator from a local attendant to an auto attendant. We believe this transition will ensure members and administrators will reach their desired departments faster, and with less front-end explanation. 

Related Post: What a Full-Service Insurance Agency Can Do for You

This change will remain permanent for the foreseeable future. We have already seen an improvement in our call efficiency. We have found members are able to reach the claims department quickly, without having to explain their issue to multiple people.

Below are the options all callers hear when reaching the general ClaimLinx customer service numbers, (800) 858-1772 or (513) 677-6262.

  • Dial 1 – If you are a member or provider’s office calling about claim status, benefits or eligibility
  • Dial 2 – If you are an administrator or broker
  • Dial 3 – If you are in need of insurance
  • Dial 4 – Lisa Grubb, ClaimLinx Health Insurance agent
  • Dial 5 – Kathy Durnell, ClaimLinx Health Insurance agent
  • Dial 6 – To reach accounts receivable
  • Dial 7 – General mailbox

Related Post: ClaimLinx Has Made Staffing Changes to Better Serve Clients

Administrators and members can still reach specific ClaimLinx team members by dialing their extensions or their direct lines. 

ClaimLinx Solves Spiking Insurance Premium Problem

Cincinnati business finds ways to save on employer-sponsored health plans

CINCINNATIDec. 13, 2017 /PRNewswire/ — Right now at small businesses all over the country, administrators are making a grim choice – cut benefits for next year’s insurance plan or face strained resources to cover their premium increase.

Premiums for employer-sponsored health benefits for 2018 are expected to be the highest since 2011, according to the human resources consultancy Mercer’s 2017 National Survey of Employer-Sponsored Health Plans.

Blame it on Washington, D.C., blame it on insurance company stakeholders, blame it on anyone who unjustly seems to pull in profits through the industry. It all adds up to one thing: employers and their employees are continuously being asked to pay more to receive less.

But for one company in Cincinnati, this is a problem with a simple solution. ClaimLinx, a full-service consultant, insurance agency and third party administrator, has pioneered new ways of purchasing health insurance so companies can cut costs without sacrificing benefits, such as increasing deductibles or copays.

“Our whole goal is just to save people money on their health insurance – it’s hard sometimes but when we do it’s incredible what it can do for a business,” said Christy Quigley, President of ClaimLinx.

They do this by combining a high deductible insurance plan through a major carrier — Anthem, Humana, Aetna, Cigna — with a self-funded medical expense reimbursement plan.

The trick is to take the best of both types of insurance.

From the plan through a major carrier the company receives resources, including a wide physicians network, competitive discounts on procedures and a stop loss in case any employee has high medical costs.

Related Post: What is a Section 105 Plan?

From the medical expense reimbursement plan the company has the ability to customize its own copays and deductible while still receiving the tax benefits exclusive to a self-funded plan through section 105(b) of the IRS code.

Tom Quigley, National Business Consultant at ClaimLinx, said he sees business owners struggling with decisions about their plan every day when they don’t need to.

“What it really boils down to is a math problem. The problem is it can be hard to take the emotion out but you really have to when it comes to your benefits.”

For more information go to www.claimlinx.com or inquire directly to Whitney Faber at wfaber@claimlinx.com or (617) 892-4655.

View the published press release.

ClaimLinx Individual Marketplace Available for Open Enrollment

ClaimLinx is pleased to announce to all of its clients that we have added a resource for individuals looking for coverage on the insurance market – www.ClaimLinxMarketplace.com.

Related Post: ClaimLinx Reaches Marketplace Elite Circle of Champions

This site is a one-stop shop for those looking to purchase an individual plan for themselves to:

  • See off-exchange insurance plans, which can have broader hospital and physicians networks and additional benefit options.
  • Easily compare pricing and plan options available through the individual market and through the federal exchange.
  • Speak to an insurance agent to complete the application process and discuss options.
  • Find additional insurance coverage such as vision, supplemental and life insurance.

Please feel free to share this resource with any friends or family looking for individual coverage during this year’s open enrollment period. Just tell them to go to www.ClaimLinxMarketplace.com to get started.

Related Post: Many State Health Insurance Marketplaces Will Exceed Requirements

As a member or administrator for a ClaimLinx plan, you will continue to receive the personalized service and/or benefits through the employer-sponsored plan. This is an additional resource for those who do not receive coverage through an employer.