Employers: call us for help cutting costs to get through “stay at home” orders

As of Monday, March 23, 2020, the Ohio Governor issued a mandatory “stay at home” order. It comes on the heels of previous business closures because of social distancing guidelines. Like in many states, the order will continue until the beginning of April. It’s all in hopes of stopping the spread of the novel Coronavirus.

But for many businesses it’s already causing severe financial pain.

Remember, ClaimLinx’s primary concern is savings clients money on health insurance. We know how important health coverage is, especially at a time like this. Our consultants are ready to talk you through how to cut employers’ health insurance costs. We know it’s more important now than ever.

Please contact service@claimlinx.com or call (513) 985-4465 to set up a meeting if you are considering laying off employees or cutting their hours.

Changes to Claimlinx’s Service

The mandatory “stay at home” order in Ohio, where Claimlinx’s main office is located, began on Monday, March 23 and will continue until April 6. Claimlinx employees are able to continue working remotely, but we are making some adjustments to our mailing services.

Because we are an Insurance Institution, we are considered an essential business, as outlined in the order. So we will still have some employees going to our office to maintain services. But we are limiting this as much as possible. For that reason, we do anticipate some delays in mailing. 

We expect this primarily to impact mailing explanations of benefits (EOBs) and member ID cards. Temporarily, we will be sending all member ID cards digitally first and sending a hard copy later. Members can always contact help@claimlinx.com if they need a copy of an EOB.

Related post: Changes for members during Coronavirus “stay at home” order

Contact us before cutting employees’ hours

Already we have had clients who are considering placing employees on furlough or moving them to part time. Our consultants already have strategies for how to use this time to cut costs while still providing benefits.

We are here to help companies get through this trying time. Many employers are worried about how long the pause in the economy will last and what affect it will have on their bottom line. We know, too, they are worried about their workers.

Contact service@claimlinx.com or call (513) 985-4465 to set up a meeting. Our consultants will go over your immediate options and any other long-term planning that may be needed.

Some employers may be able to take advantage of already existing rules on coverage to save on insurance premiums in the coming months. Some employers may need to stop providing insurance for any employees who are laid off. We would like to be there to offer our services to help these people navigate the marketplace so they don’t experience any lapses in coverage.

ClaimLinx is here for all of its clients, especially when trying to cut costs because of financial strains.

 

Changes for members during Coronavirus “stay at home” order

As of Monday, March 23, 2020 a mandatory “stay at home” order was issued for the state of Ohio, where ClaimLinx’s main office is located. To help prevent the spread of the novel Coronavirus, Governor Mike Dewine has mandated all nonessential businesses close their offices until Monday, April 6, 2020. Claimlinx employees are able to continue working remotely, but we are making some adjustments to our services.

Because we are an Insurance Institution, we are considered an essential business, as outlined in the order. So we will still have some employees going to our office to maintain services. But we are limiting this as much as possible. For that reason, we do anticipate some delays in mailing. 

Mailing is Changing

It’s a priority for us that our clients and members can access their health coverage services, especially during this time. But it’s also a priority for us to protect our employees. So at this time, we expect delays when it comes to mailing out member ID cards and explanations of benefits (EOBs).

When it comes to member ID cards, we will be sending first a digital copy for the member to use. Then we will send a printed version later. If any member would like a copy of his or her member ID, please contact help@claimlinx.com or start a conversation with a team member now using our Live Chat feature.

Because we do not want too many people in our offices at once, we do expect to have some delays when it comes to mailing documents to members. If you have any questions about a claim or would like to receive a copy of your EOB, you can email help@claimlinx.com or start a conversation with a team member now using our Live Chat feature.

Contact and Processing Will Continue

As employees are able to work remotely and take turns going to our office, we are not anticipating any delays in claims processing at this time. We have worked hard in the last two years to make this process mostly digital. So our claims processors are expected to be able to continue without much interruption.

Related post: Claims processing continues during Coronavirus outbreak precautions

There will continue to be service team members available if you have questions about coverage, a prior claim or if you need a copy of your member ID. As is always the case, if you are sick or in need of medical attention, please contact your provider first.

We would also like to remind our members that local cases of the virus may be putting a strain on the healthcare system in your area. This may have an affect on your regular care. Please be proactive about checking with your provider about changes to any necessary upcoming appointments.

Your local pharmacy may also be experiencing limited hours or delays in filling regular prescriptions. Please check your stock of any regular prescriptions. Be sure to have them filled as early as possible to avoid any interruptions.

Please also remember that members still have access to the member portal for the remainder of March. That means you can still check on claims or print any important EOBs. Starting April 1, 2020, all members will need to reach out to our team directly to get these documents.

Related post: Member portal will be unavailable temporarily

ClaimLinx will continue to communicate with members via email and through our website. Please look for any updates there. Stay healthy and we hope these interruptions in service for all of us are as short as possible.

Autumn Health Tips ClaimLinx

Autumn Health Tips From ClaimLinx

Colder weather is here, and the leaves are changing colors in the throes of autumn. ClaimLinx is ready to celebrate the harvest, Thanksgiving, and upcoming winter holidays. In today’s blog, ClaimLinx discusses autumn wellness tips to keep you and your family healthy as the year comes to a close.

Boost Your Immune System

Fall time means allergies, colds, and flu. Boost your immune system by eating healthier with more fruits and vegetables loaded with vitamins and minerals. Wash your hands more often and carry plenty of hand sanitizer with you to prevent the spread of germs. Since you might wash your hands more often during flu season, invest in a bottle of quality hand lotion for softer skin. Support your immune system by drinking plenty of water and getting seven to eight hours of sleep per night. 

Maintain Food Safety 

Fall time means Halloween, Thanksgiving, holiday parties, and plenty of delicious food. Maintain food safety practices by cooking food thoroughly and to the correct temperatures, and keep food prep surfaces clean to prevent cross-contamination. ClaimLinx believes food safety is an important part of ensuring healthy and enjoyable family gatherings.

Head Outside

Fall brings gorgeous scenery thanks to beautiful leaves. Entire hillsides sing with red, orange, yellow, and brown hues during autumn. Bring out the warmer clothing before taking a hike, jog, bike ride, or drive to enjoy the signs of the season. Getting more sunlight during the fall increases your vitamin D, which improves your mood and helps your body function properly.

Maintain a Routine

Your routine faces several challenges in the fall months. Kids have sports practice, school recitals, and teacher-parent conferences. Family members might come in from out of town, or you might travel for the holidays. Children also have days off of school for holidays. All of these events could end up disrupting your healthy daily routine.

Maintain your routine by planning for healthy living in advance. Prep meals on the weekends, maintain a regular sleep schedule, find time for fun activities, and get the kids in bed at the right hour every night. Even when Daylight Savings Time ends, you can still keep the same routine despite less sunlight during the day. ClaimLinx expects that a regular routine makes you healthier and more productive in everything you do.

Fall Health and ClaimLinx

Our fall health tips will help you and your family stay strong during cooler months. We utilize a holistic strategy, called the ClaimLinx Simple Option Solution, to save businesses money on health insurance. Contact ClaimLinx or call (800) 858-1772 for more information.

Have a happy healthy summer with these tips

It’s officially summer. That means longer days, more sunshine and hopefully more time to enjoy friends, family and the outdoors. This year, start your summer off right with these quick tips for making the most of this sweet, sunny season.

Tips for enjoying the home – Use this summer to reclaim joy in your home and your town.

  • Rediscover your yard – Sometimes all the nature you need is right in your own backyard. Have dinner as a picnic, plan a Friday night camp out, or even rent or buy a projector for an open-air movie night.
  • Be a tourist in your town – All residents have places in their towns where they might go if they were a tourist, but have never gone as a local. Try a new restaurant, go to the town museum, finally make it out to the summer fair or festival. You might even find a new favorite place along the way.
  • Channel your inner child – Think back to when summer was full of endless possibilities and reclaim that feeling by bringing a little silliness into your life. Plan a trip to the local water or amusement park, go to the park up the street, mow a maze into your lawn or start a scavenger hunt around the neighborhood. Just make sure it’s something that makes you smile.

Tips for enjoying vacation – Family trips are fun, but they can also be stressful and exhausting.

  • Think small and more often – The temptation to make every trip “once in a lifetime” can be intoxicating, but big trips aren’t any more fun or memorable than smaller ones. For your next trip, take the pressure off by planning something easy to get to and less expensive. You might even be able to take more than one vacation that way.
  • Enjoy the planning phase – Anticipation of a trip can sometimes be just as fun as the trip itself: picturing yourself on vacation, reading up on new foods or activities, talking to others about what you want to do. Revel in this process as much as you can, it can only make the enjoyment of the trip more fun.
  • Manage your expectations – Try not to fantasize too much about your trip. You may need to work while you’re out, have a long drive ahead, need to corral children to different locations, do housework. Know these activities are in your future, accept it and focus on the joy that surrounds these less pleasurable activities.

No matter what’s in your future this summer, the best advice is always to try make the most of each moment. Take time for yourself, your friends and your family.

ClaimLinx reclaims thousands of dollars for consumers

Business pioneers strategy for employers to pay less for company health plan

CINCINNATI, Dec. 20, 2018 /PRNewswire/ — As health plan premiums rise nationally, so too do insurance companies’ earnings, but one local business has found a way to return some of those would-be profits to consumers.

ClaimLinx is a consultant, insurance agency and third-party administrator specializing in an alternative strategy for purchasing health insurance that saves companies money while delivering quality benefits.

Nationally, insurance companies reported strong growth in 2018, amassing an estimated $47 billion of global profit by the end of the second quarter, according to an analysis of company documents by Axios media company.

Not all of that money is being funneled into improving care or services. Insurance companies spend only 80 percent of funds collected in plan premiums on actual medical care, as required by the Affordable Care Act.

Packed into those huge premium bills are charges for administration, marketing and company profits for share-holders. That’s thousands of dollars each year being given to insurance companies instead of being spent on what workers really need: quality medical care.

Tom Quigley, National Benefit Consultant at ClaimLinx, says buying traditional health plans leaves a lot of money on the table, an especially difficult prospect for small businesses where profit margins are slim.

“It’s really a shame, because people are really just giving all this money away to health insurance companies without even realizing it.” 

So ClaimLinx abandons traditional methods of purchasing health insurance. Instead, it shows clients how to combine a high deductible plan from a major carrier with a self-funded medical expense reimbursement plan. 

The plan with a major carrier offers a wide physicians network with discounts for services and a stop loss in case of high medical costs. The medical expense reimbursement plan offers the ability to add a lower deductible and better cost-sharing measure for services, like copays.

Christy Quigley, President of ClaimLinx, compares this strategy to other types of coverage.

“People have car insurance, but they don’t buy it for $40 oil changes. Imagine how expensive it would be if it did. We use the same concept for health insurance.” 

This two-prong strategy allows small businesses to restore some of its health care dollars to its employees by delivering better benefits at a much lower price. 

Contact: Whitney Faber, (617) 892-4655
wfaber@claimlinx.com
www.claimlinx.com

View the published release