ClaimLinx Insurance Agency

ClaimLinx Receives Circle of Champions Award

Cincinnati, Ohio — ClaimLinx has been recognized by the Health Insurance Marketplace® as a member of the 2023 Marketplace Circle of Champions for helping consumers gain qualified health coverage.

This Centers for Medicare & Medicaid Services (CMS) award highlights ClaimLinx success in actively enrolling 20 or more consumers during this Open Enrollment Period and demonstrates its expertise and experience in helping consumers find health coverage.

“Agents and brokers are key partners to CMS in our shared goals of helping expand access to coverage for Americans,” said Ellen Montz, Director of the Center for Consumer Information & Insurance Oversight within CMS, which oversees the Marketplace. “We thank  ClaimLinx for its dedication to providing exceptional service and helping access coverage.”

This year’s Open Enrollment Period for applying for Marketplace coverage runs from Nov. 1, 2022, to Jan. 15, 2023. Consumers with questions about their coverage or who would like help enrolling can contact ClaimLinx at 800.858.1772.

What is the Marketplace Circle of Champions?

CMS created the Marketplace Circle of Champions program to commemorate the hard work and commitment of Marketplace-registered agents and brokers throughout America. This award recognizes agents and brokers who have actively enrolled 20 or more consumers. Each year, thousands of agents and brokers reach the Marketplace Circle of Champions, highlighting their hard work, expertise, and service.

ClaimLinx Insurance Agency

As a full-service health insurance consultant, we are happy to receive this honor again. Our agency team members take pride in providing seamless service to our clients. When a company becomes a client, our agents take care of finding the right plans for your employees. They research networks, quote pricing and ultimately find the best option for the company and the member. If you would like to know more about the ClaimLinx Solution, contact our qualified Sales Team today.

Happy health insurance member

Health Insurance Member Testimonial Form

We Want to Hear from You!

We are looking for testimonials from members. If you have had a positive experience with ClaimLinx, a member of its staff, or its health insurance consulting services, please fill out the below form.

We appreciate your feedback so we can share some of the great experiences our clients have had with others.

Once you fill out the form, you are automatically entered to win a $100 American Express gift card.

Check out our Testimonials page for other examples.

Happy health insurance client

Health Insurance Client Testimonial Form

We Want to Hear from You!

We are looking for testimonials from our clients. If you have had a positive experience with ClaimLinx, a member of its staff, or its health insurance consulting services, please fill out the below form.

We appreciate your feedback so we can share some of the great experiences our clients have had with others.

Once you fill out the form, you will be automatically entered to win a $100 American Express gift card.

Check out our Testimonials page for other examples.

Retirement Plans Can Work For You

Managing a successful business, whether you’re a one-person company, or you run a large enterprise, can be complicated on a number of levels. It can be easy to focus too much in your day-to-day business, rather than strategically on your business. This risk is even bigger when you’re juggling the day-to-day needs of the company, as well as those of your staff. In this article, we’ll talk about some of the retirement savings tools at your disposal, and how they can fit into your business. If you are a one-person company, there are excellent options. If you’re designing a benefits program to help attract and retain talented staff, there are also excellent choices for you.

Saving for retirement is a challenge across all ages and income levels. Finding the right balance between our current needs and our future needs can be difficult. Surveys indicate that Americans as a group are well behind their retirement savings targets. While everyone’s retirement dreams are different, here are some savings goals to consider.

Choosing the right retirement plan for you and your company can go a long way toward helping you and your staff reach your retirement savings goals. Different plan types will allow different options for investments, contributions, and tax advantages. The tables below provide summary-level information about different types of retirement plans. This can be used in concert with a discussion with a financial advisor to help determine the best fit for you, your company, and your needs.

One-person companies

Solo business owners have several choices of plans with a wide variety of potential benefits. The table below summarizes the key features. Note that all dollar limits are as of 2022. Features and rules are summarized and may not provide all details.

Multi-Employee Companies

If you’re making decisions for an organization with employees, there are added complexities to the choice of retirement plans. You’re now balancing what’s best for recruiting and retention of staff, staff needs, and what’s best for the owner(s) of the business. Key features of common organization-focused retirement plan choices are below. Note that all dollar limits are as of 2022. Features and rules are summarized and may not provide all details.

Safe Harbor (from 401(k) Employer Contributions section above) – the rules of 401(k) plans are set by the IRS and Department of Labor to ensure that they do not disproportionately benefit owners and Highly-Compensated Employees (HCEs, defined as earning $130,000/year or more). As such, owners and HCEs may be limited in how much they can defer annually. The formula used to calculate these testing limits is beyond the scope of this article. To avoid limitation on owner and HCE compensation, employers can make a Safe Harbor Match or a Safe Harbor Non-Elective Contribution. If they do so, owners and HCEs may defer to the annual limit without regard to testing.

In addition to the above, there are also tax credits available for organizations that start 401(k) plans during 2022. The    amount  of credit available depends on the size and type of plan, but ranges from $500-$5,500.

As with many financial decisions, conversations with your financial advisor will help you narrow down options to the one that is appropriate for you and/or your organization. While the details can seem overwhelming in the beginning, a good team of financial professionals can simplify the process, and let you focus on running your business.

Start the Discussion

To start the discussion about what plan is best for you and your business, contact Aaron McDonald (amcdonald@medfinityfinancial.com) and Doug Beebe (dbeebe@rwpfirm.com).

This material is intended for general public use. By providing this content, Park Avenue Securities LLC and your financial representative are not undertaking to provide investment advice or make a recommendation for a specific individual or situation, or to otherwise act in a fiduciary capacity. Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation.

   Registered Principal and Financial Advisor of Park Avenue Securities LLC (PAS). Securities products and advisory services offered through PAS, member FINRA, SIPC. General Agent of The Guardian Life Insurance Company of America ® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Retirement & Wealth Planning is not an affiliate or subsidiary of PAS or Guardian. Not practicing JD for Guardian or its subsidiaries or affiliates. CA Insurance License Number 0E84981. 2022-144071 Exp 9/24.
Shows Schedule of Benefits at work

What is the claim process?

What is a claim? 

A health insurance claim is a formal request for an insurer to pay for services. A provider office may submit a claim for you. Or patients can submit claims directly.   

How many days does processing a claim take? 

The claim’s processing time is typically 5 to 10 days from the received date. It could take longer if ClaimLinx has not received all the needed documents to process the claim.  

Once all the documents are received and the claim is processed, it usually takes about 30 to 40 days for a check to be issued. In total, the process takes on average 35-60 days from the date ClaimLinx receives the claim. 

What is involved in the process? 

Claims go through many steps before a check is issued. Once ClaimLinx receives the claim, a qualified claims processor checks the documents, enters the claim information, and analyzes it for the correct benefit application.  

You can see the remaining steps following adjudication on this detailed diagram. ClaimLinx coordinates directly with employers to ensure payment is as seamless as possible. 

Why could a claim be delayed? 

Claims are delayed if ClaimLinx, as the secondary payer, does not receive all the necessary documents to process a claim.   

When a provider submits a claim, it must send the claim form and the primary insurance Explanation of Benefits (EOB).  

If a member is submitting a claim, he or she must submit the primary insurance EOB and the itemized statement from the provider. When a member has paid a claim in full, ClaimLinx will need proof of payment to process any reimbursement. 

What can you do to speed up the process? 

There are steps members can take to expedite the process. Members should present both cards to the provider at the time of the visit – the primary insurance ID card and the ClaimLinx ID card.  

If the provider has additional questions regarding the ClaimLinx claims process, they can call our customer service line 800-858-1772.  

Members are welcome to submit claims on their own by emailing our the claims department at help@claimlinx.com. Be sure to send a copy of the primary insurance EOB and an itemized statement.  

How to contact our claims department? 

A member or provider can contact the claims department during regular business hours by calling 800-858-1772 or emailing help@claimlinx.com.  

You can also chat with a live person during business hours using our online chat feature. Just go to Claimlinx.com/livechat. 

Claims can be submitted via email, fax, or mail. The member ID card also includes this information.