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Health Insurance Program
Non-Union Full Time EEs
FCAI is working with The Benefit Source and Daniel Crantz to implement a health insurance program for our contractor members, office staff and employees who are non-union. The information requested is critical in order to obtain a quote from an insurance carrier. Any questions, please contact Mark Palmer or Pat Curley at the FCAI office 630-264-7880
Level Funded Group Health Plan
What is Level Fundng
Level funding takes a portion of your premium and deposits it in a claim fund. This fund is used to pay the groups' medical claims. Any money not used in the year will be returned to you.
Note: A level funded plan is underwritten, meaning employees answer medical questions on the enrollment application.
Also Note: Rather than a group increase from current rates, level funded is often a substantial decrease from current rates.
2. Group Plan is your Current Offering
You currently offer a Affordable Care Act Fully Funded Group Plan
Individual Plans
What if I am enrolled in an Individual Affordable Care Plan?
If you are incorporated with 2 or more employees, a Level Funded plan may work for you.
If you also have serious medical conditions a fully funded guaranteed issue plan may be far less, especially if you do not currently have a subsidy. Click and complete census form above.
ACA Group Carriers we Quote
Level Funded Plans
Rather than a Blue Cross +18% increase Opotimyl saved -24% for Cigna Large Network PPO
Level Funded We Quote
GETTING A QUOTE
Click on the spreadsheet above
To get a quote we need the information requested on the spreadsheet. List your non-union employees you wish to be covered.
Please return the above information to us in any format.
Return Information To:
quotes@thebenefitsourceinc.com
Click on Brochure for
Level Funded Information
Requirements For A Quote
1) Must be a company with a FEIN (Federal Employer Identification Number)
Helpful Information: Level Funded
1) Must have a minimum of 2 employees
2) Note; Better rate offers have 3 or more employees
3) Medical conditions; Average medical conditions often produce a minor increase in rate offer. Example; Oral medicatons that treat and control high blood pressure, type 1 diabetes, high cholesterol, etc.
4) More serious conditions like cancer or upcoming surgery may be declined.
Questions; Don't hesistate to call
Daniel Crantz
630-728-1224
dcrantz@thebenefitsourceinccom
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