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ClaimLinx Individual Marketplace Available for Open Enrollment

by ClaimLinxDecember 1, 2017December 4, 20192 Comments

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.

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.

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.

Save

by ClaimLinxNovember 17, 2017December 4, 20191 Comment

Getting the employer-paid benefits you want is important.

But for most employers making decisions about their health plan, it all comes down to one thing — the numbers.

And that can be a challenge today, with health insurance premiums continuing to rise. Many companies are being forced to strip health plan benefits or raise employee contribution levels.

That’s where ClaimLinx comes in.

With our strategy for buying health insurance, you no longer have to choose between offering low copays and deductibles and keeping premium costs within your budget.

You can do both.

On average our customers save 20% on their health insurance costs within the first year. That’s without changing the company’s current deductible or other benefits, but simply making a change in how they are purchased.

The key to our trailblazing ClaimLinx Simple Option Solution is centered on making sure businesses are only paying for the benefits their employees are actually using. That’s where so much of the additional cost for a traditional health insurance plan with a major carrier comes in. They’re charging you for services they assume you will use. Services the average employee just doesn’t need.

With ClaimLinx you still purchase a plan with a major carrier but make it a high deductible plan, without all those benefits overcharged through the insurance company. Then we add a self-funded Medical Expense Reimbursement Plan (MERP) with all the benefits you’re used to, including lower deductibles and copays.

Your employees won’t see a change in how much they pay when visiting a physician or facility, but your company will save monthly on premiums and overall health insurance costs.

So if you’re going to make a decision based on numbers, make sure they’re the right ones. ClaimLinx has a solution designed for you.

SET UP A CONSULTATION TODAY

Change

by ClaimLinxNovember 17, 2017December 4, 2019Leave a comment

Everywhere we look now, the business world is changing. New technologies, innovations, different customers, expectations. It’s all constantly evolving.

So ask yourself this question: If markets are evolving, why isn’t your health insurance plan?

Most companies still purchase their health insurance plans the same way they did 10-20 years ago. They go to an insurance agent and choose a traditional group health insurance plan through a major carrier.

But what if we told you there is another way?

That instead, you could have a real solution for your company’s health insurance. One that consistently balances employee needs with your budget, rather than the other way around.

What this requires is a new way of thinking about purchasing benefits. We call it the ClaimLinx Simple Option Solution, a plan that combines a high-deductible health insurance plan from a major carrier with a self-funded Medical Expense Reimbursement Plan (MERP). The trick is to take the best of both types of insurance.

From the high-deductible plan with a carrier, you receive:

Wide physicians and facility network
Discounts on office visits and procedures
Stop loss in case an employee has high medical costs

From the Medical Expense Reimbursement Plan receive:

Customized copays and deductible
Real data on employee usage
Tax benefits of self-funding your medical plan

Purchasing health insurance this way means you’re able to cut costs because you’re no longer prepaying the insurance company for services employees don’t need or use. It’s a way of redistributing the funds for your plan so you can get the most out of it.

Not only that, but also the ClaimLinx Simple Option Solution offers an opportunity to take the savings and reinvest it in employees’ benefits or anywhere else in the company.

Stop paying for insurance the same old way and see what a change can do!

SET UP A CONSULTATION TODAY

Senators to Vote on Republican Healthcare Bill

by ClaimLinxSeptember 22, 2017December 4, 2019Leave a comment

This week Republican Senators Lindsey Graham, of South Carolina, and Bill Cassidy, of Louisiana, introduced a new healthcare bill aimed at repealing and replacing the Affordable Care Act known as Obamacare.

The Senate is expected to vote on the bill next week, as any repeal and replace bill must be completed and voted on by September 30 in order for it to pass with only a simple majority of 51 votes.

This bill would mean a radical change to the current healthcare system. Here are some of the biggest changes in the bill:

Repeals the individual mandate requiring all individuals have health insurance.
Repeals the employer mandate requiring all businesses with more than 50 employees to provide an affordable health plan.
Allows insurance companies to reinstate lifetime benefit maximums.
Allows insurance companies to charge people with preexisting conditions more money for a plan.
Requires insurance companies still provide coverage to people with preexisting conditions.
Removes the optional Medicaid expansion for each state.
Dissolves the federal insurance marketplace known as healthcare.gov.
Gets rid of the federal subsidies to help pay insurance premiums for those that cannot afford them.
Combines the funds for the Medicaid expansion and insurance subsidies into large block grants given to each state to spend freely to improve healthcare in the state.

Funding in the form of federal block grants to states would continue until the year 2026, when funding would be cut off. Most harmed by this bill are those states that chose to implement the Medicaid expansion through the ACA. States that did not do this would see a large influx of cash through the federal block grants in the bill.

Because of the short time frame to vote on the bill the Congressional Budget Office will not be able to provide a full analysis of how this will affect coverage for Americans, though the CBO did say it would release a limited analysis early next week.

You can see how your state’s funding will be affected in this analysis by the Kaiser Family Foundation.

Donations for Hurricane Harvey Relief

by ClaimLinxSeptember 8, 2017December 4, 2019Leave a comment

Like the rest of the country, we were astounded last week while watching the amount of destruction and tragedy Hurricane Harvey brought to Texas. There’s no doubt the road to recovery, especially for the city of Houston, will be long and difficult.

To do our part, ClaimLinx donated this week to the Hurricane Harvey Relief Fund established by Houston Mayor Sylvester Turner. Our thoughts are with everyone affected by the storm, especially our clients and members in Texas. Any person or company can make a tax-deductible donation to this fund.

Or you can give to one of the charities below. There are so many organizations vital to helping the people in Texas.

Houston SPCA – www.houstonspca.org
Houston Food Bank – www.houstonfoodbank.org
Corpus Christi Food Bank – www.foodbankcc.com

Our thoughts too are with those making their way to safety as Hurricane Irma approaches.