We Advocate For You With Three Key Strategies
1. Maximize the tax treatment for each individual member on your team, taking advantage of the new powerful Advanced Premium Tax Credits that can pay between 0- 85% of an employee's premium. (Your people file individual tax returns with different marginal tax rates, but your group health platform treats them all the same for tax purposes. This is highly inefficient)
2. Custom tailor each team member's individual health insurance policy directly to their own personal needs. We ask your people which healthcare services they use (Something HIPPA precludes your from doing) and find a policy to match. (Something that one group insurance policy simply cannot do)
3. Stop operating your company like a mini-insurance company as your group policy passes any big health care bills back to your company in the form of large percentage increases to your already large premiums. (All group policies work this way from an underwriting point of view.  With Individual policies, the insurance companies simply don't care where their member works)
We Advocate For You With Three Key Strategies
We Advocate For You With Three Key Strategies
1. Maximize the tax treatment for each individual member on your team, taking advantage of the new powerful Advanced Premium Tax Credits that can pay between 0- 85% of an employee's premium. (Your people file individual tax returns with different marginal tax rates, but your group health platform treats them all the same for tax purposes. This is highly inefficient)
2. Custom tailor each team member's individual health insurance policy directly to their own personal needs. We ask your people which healthcare services they use (Something HIPPA precludes your from doing) and find a policy to match. (Something that one group insurance policy simply cannot do)
3. Stop operating your company like a mini-insurance company as your group policy passes any big health care bills back to your company in the form of large percentage increases to your already large premiums. (All group policies work this way from an underwriting point of view.  With Individual policies, the insurance companies simply don't care where their member works)
Overview of the Individual Health Insurance Platform
1. OneAdvocate will survey your employees to understand what types of health care they utilize and determine household income.
2. OneAdvocate will then prepare a Study from the survey results we receive from your employees. This will show how much Advanced
   Premium Tax Credits your team will receive and therefore determine how much the Individual Insurance Platform will save the Employer and
   Employees.
3. From the Study, the we will guide the employer in how much they may pay to each employee, in the form of a Wellness Bonus.
  This is a discretionary amount usually between $4.00 - $11.00 per employee year of age, per month and is formally a "stipend."
  So a 30 year old may receive $5.00 per year of age or $150 per month.
  This is because Individual Insurance is quoted on three simple factors: Age, Zip Code and tobacco use.
  Pre-existing conditions do not effect premiums.
4. At that point OneAdvocate knows how much the Advanced Premium Tax Credit will be, plus the amount of the Employer's Wellness Bonus.
5. Your OneAdvocate Benefits Planner will then prepare proposals for each employee giving them at least three policies that best match
  the Employee's needs. If the Employee wants a more robust policy, they can pay the difference.
6. The proposals are sent to the employees about a week prior to enrollment. So they can review and discuss it with their spouse.
7. OneAdvocate Benefit Specialist will then meet, one-on-one, usually over web meetings with each employee.
   Your Benefit Specialist will answer your employees questions, and help them choose a policy and then enroll them in that policy.
8. OneAdvocate Client Coordinators are available every business day to answer employee question, in addition all health insurance companies
   have solid service departments.
Sample Study
