PMHIC 2024 Program Information

2024 Program Information

2

Groups working together to lower health benefit costs through self-funding.

Table of Contents

4

A Letter to Our Members

6

Meet the PMHIC Team

7

PMHIC Board of Directors

9

Membership Report

10

Surplus Distribution

18

Wellness Grant

19

Account Services

20

Open Enrollment Reminder

21

ConnectCare3

22

Life & Disability Program

25

Administrative Services

27

2024 Health Benefits Seminar

32

It all started with four local government groups in 1991

Recognizing the effectiveness of group purchasing, Benecon pioneered self-funded consortium and cooperative programs. Today, we’re proud to manage fourteen programs across the country and maintain membership retention of more than 98%. With our full suite of services, Benecon is able to provide unlimited expert support through Account Management, Actuarial, Compliance, Finance and the Producer Services Divisions. With the unparalleled Nurse Navigation and Wellness Services of our subsidiary, ConnectCare3, Benecon is a powerhouse in the self-insurance marketplace.

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A Letter to Our Members October 1, 2023 Dear PMHIC Members, Thank you for being a valued member of the Pennsylvania Municipal Health Insurance Cooperative (PMHIC). We continue to offer a cost-effective program with excellent service and stability to our members. On behalf of the PMHIC Board of Directors, thank you for your ongoing participation in the program.

For 2024, the average renewal increase for the 290 members of PMHIC is 8.5%. When developing the rates for individual members, the actuarial staff considered the following: • • • •

Medical trend estimate (projected at 8% for 2024) Plan designs and demographics for each member group Claims experience for 2021, 2022 and the first six months of 2023 Other relevant factors

PMHIC will continue to stabilize the reinsurance costs of its members through the collective purchasing power of the cooperative.

Your renewal is only one indicator of the total cost of your health insurance program. For the 2022 plan year, 77% of PMHIC members received a surplus. When combining surplus returns with your projected 2024 costs, many members experience level funding or decreases in their total costs.

This renewal booklet and accompanying packet include other information relating to your 2024 renewal, the PHMIC program, Benecon, your claim fund performance and dental & vision rates. We hope you take a few minutes to review this important information.

We appreciate your participation in PMHIC. It is our pleasure to work with you and we look forward to serving you in 2024.

Sincerely,

Michelle Joy VP Account Management

6

Zachary Peirson VP Program Management

Meet the PMHIC Team

Kristen Abner

Senior Account Manager

Jo Schweitzer Associate Account Manager

Amy Smith

Senior Account Manager

Kate Lobley

Ashlen Kintner

Senior Account Manager

Associate Account Manager

Senior Account Manager

LeeAnn Llewellyn

Sandi Provost

Brian Zimmerman

Account Manager

Associate Account Manager

Danielle Omans

Account Manager

Missy Leader

Associate Account Manager

Tiia Huffer

Associate Account Manager

Cindy McKillips

Associate Account Manager

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Using the Power of Group Purchasing to Lower Your Health Benefits Costs

Pennsylvania Municipal Health Insurance Cooperative (PMHIC) is a self-funded group purchasing program developed and administered by The Benecon Group for municipalities in Pennsylvania. Benecon is a nationally recognized leader in the industry, dedicated to providing its members with efficient and safe access to the self insurance market.

Surplus & Savings

Administered by Benecon

Full Transparency

Control

Flexibility

Proven actuarial pricing model

Any surplus after year end reconciliation is returned to the group

30+ years of experience $3+ billion administered funds 98% retention $600+ million stop loss placed

Know where every dollar is spent

Choose the plan design that works best for your employees

Be in the driver’s seat when choosing your benefits

Priced by Benecon’s independent actuaries

To learn more about PMHIC please contact: The Benecon Group

717-723-4600 | 888-400-4647 info@benecon.com | www.benecon.com

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2023-2024 PMHIC Board of Directors 9 Members - 2 Year Term (1/1/23-12/31/24)

Ernie McNeely

Lower Merion Township, Township Manager 75 East Lancaster Avenue | Ardmore, PA 19003 Office: 610.649.4000 | emcneely@lowermerion.org

Patrick Caulfield

Schuylkill County Municipal Authority, Executive Director 221 South Centre Street | Pottsville, PA 17901 Office: 570.622.8240 | pcaulfield@scmawater.com

Troy Bingaman

Amity Township, Township Manager 2004 Weavertown Road | Douglassville, PA 19518 Office: 610.689.6000 | tbingaman@amitytownshippa.com

Greg Wilson

City of Lock Haven, City Manager 20 East Church Street | Lock Haven, PA 17745 Office: 570.893.5907 | gwilson@lockhavenpa.gov

Tom Vernau

Lower Allen Township, Township Manager 2233 Gettysburg Road | Camp Hill, PA 17011 Office: 717.975.7575 | tvernau@latwp.org

Chairman

Vice Chairman

Secretary

Treasurer

Assistant Secretary/Treasurer

Adam Brumbaugh

College Township, Township Manager 1481 E. College Avenue | State College, PA 16801 Office: 814.231.3021 | abrumbaugh@collegetownship.org

Jason Stains

Borough of Waynesboro, Borough Manager 55 East Main Street, Box 310 | Waynesboro, PA 17268 Office: 717.762.2101 | jason@waynesboropa.org

George Zboyovsky

Brentwood Borough, Borough Manager 3735 Brownsville Road | Brentwood, PA 15227 Office: 412.884.1500 | gzboyovsky@brentwoodboro.com

Shannon Berkey

Lewisburg Borough, Community Dev. Grant Manager 55 S Fifth Street | Lewisburg, PA 17837 Office: 570.275.3091 x314 | sberkey@lewisburgborough.org

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PMHIC Membership Report

10

Overview Number of Employer Groups

PMHIC Municipal Members as of 2012

200

2013

213

2014

219

2015

243

2016

261

2017

267

2018

266

2019

280

2020

281

2021

280

2022

288

Employer Groups: 10/1/2023

290

Number of Municipal Members

Number of Employee Members

Berks Region

34

833

Capital Region

74

2,611

Centre Region

12

641

Lehigh Valley Region

43

1,474

Northeastern PA Region

67

2,166

Schuylkill Region

19

389

Southeastern PA Region

13

1,037

Western PA Region

28

806

Total

290

9,957

Region

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New Groups 2023 We would like to welcome our new 2023 groups!

Groups

Employee Count

Effective Date

City of Connellsville

23

12/1/2022

Borough of Wilkinsburg

50

1/1/2023

Conewago Township

18

1/1/2023

Crawford Area Transportation Authority

46

1/1/2023

Lycoming Regional Police Department

18

1/1/2023

Oakmont Water Authority

27

1/1/2023

Reading Parking Authority

46

1/1/2023

Lower Makefield Township

72

7/1/2023

12

Members

Berks Member Amity Township

Employee Count

Member

Employee Count

32

Lower Heidelberg Township

18

Antietam Valley Municipal Authority

5

Maxatawny Township

6

Berks Area Regional Trans Auth (BARTA)

88

Muhlenberg Township

50

Bern Township

13

Northern Berks Regional Police Department

13

Birdsboro Borough

11

Reading Area Water Authority

68

Boyertown Borough

6

Reading Parking Authority

46

Caernarvon Township

14

Shillington Borough

30

Central Berks Regional Police

21

Sinking Spring Borough

18

Cumru Township

46

South Heidelberg Township

19

Delaware County Solid Waste Authority

19

Spring Township

80

Douglass Township

8

Topton Borough

7

Eastern Berks Regional Police Department

15

Union Township

4

Fleetwood Borough

13

Washington Township

10

Hamburg Borough

22

West Reading Borough

13

Joint Municipal Authority of Wyomissing Valley

8

Western Berks Water Authority

11

Kutztown Borough

56

Womelsdorf Borough

6

Lower Alsace Township

5

Wyomissing Borough

52

13

Members Capital Member

Employee Count

Member

Employee Count

Annville Township

15

Lower Paxton Township

132

Antrim Township

22

Lower Swatara Township

27

Borough of Lewisburg

7

McSherrystown Borough

6

Camp Hill Borough

27

Mercersburg Borough

5

Capital Region Water

129

Middlesex Township & Municipal Authority

30

Capital Tax Collection Bureau

13

Middletown Borough

27

Carlisle Borough

95

Mifflinburg Borough

15

Carroll Valley Borough

12

Millersburg Borough

5

Central Susquehanna Regional 911 System

19

Monroe Township

7

Chambersburg Borough

237

Myerstown Borough

10

City of Lebanon Authority

77

New Cumberland Borough

23

Conewago Township

18

North Lebanon Township

27

Cornwall Borough

14

North Londonderry Township

28

County of Lebanon Transit Authority

38

North Middleton Authority

11

Cumberland County Tax Bureau

15

North Middleton Township

22

Cumberland Dauphin Harrisburg Transit Authority

96

North Newton Township

6

Cumberland Franklin JMA

9

Palmyra Borough

30

Cumberland Township

18

Penbrook Borough

18

Dauphin County Housing Authority

36

Shippensburg Borough

30

Derry Township

95

Silver Spring Township

49

Derry Township Municipal Authority

39

South Hanover Township

7

Dickinson Township

10

South Lebanon Township

19

East Pennsboro Township

67

South Londonderry Township

23

Franklin County Area Tax Bureau

11

South Middleton Township

38

Gettysburg Borough

28

Steelton Borough

26

Gettysburg Municipal Authority

18

Susquehanna Township

71

Greater Lebanon Refuse Authority

33

Swatara Township & Authority

124

Greencastle Borough

23

Tri-County Regional Planning Commission

12

Greene Township Board of Supervisors

19

Union Snyder Community Action Agency

21

Guilford Water Authority

28

Upper Allen Township

65

Hampden Township

100

Washington Township- Franklin

24

Highspire Borough

16

Washington Township MA

11

Hummelstown Borough

14

Waynesboro Borough

57

Lemoyne Borough

11

West Hanover Township

24

Littlestown Borough

14

West Pennsboro Township

12

Lower Allen Township

75

West Shore Regional Police Department

12

Lower Allen Township Authority

26

York Adams Tax Bureau

33

14

Members Centre Member

Employee Count

Member

Employee Count

Bellefonte Borough

31

Ferguson Township

58

Borough of Lewistown

36

Granville Township

16

CATA (Centre Area Transportation Authority)

103

Harris Township

7

Centre County Recycling & Refuse Authority

70

Mifflintown Municipal Authority

7

Centre Region Council of Governments

65

Patton Township

48

College Township

29

State College Borough

171

Lehigh Valley Member

Employee Count

Member

Employee Count

Allentown Parking Authority

57

Lower Saucon Township

44

Bangor Borough & Bangor Authority

15

Lynn Township

8

Bethleham Parking Authoirity

17

Macungie Borough

12

Bethlehem Township

78

Moore Township

23

Bushkill Township

24

North Whitehall Township

17

Catasauqua Borough

23

Northampton Borough

42

Colonial Regional Police Department

28

Northampton Borough Municipal Authority

32

Coopersburg Borough

15

Palmer Township

91

Coplay Whitehall Sewer Auth

10

Pen Argyl Borough

8

East Allen Township

11

PlainfieldTownship

5

Emmaus Borough

60

Salisbury Township

49

Forks Township & Forks Township Police

43

Slate Belt Regional PD

20

Fountain Hill Borough

21

Slatington Borough

17

Hanover Township

19

South Whitehall Township

82

Hellertown Borough

27

Upper Macungie Township

73

Lehigh County Authority

63

Upper Milford Township

12

Lehigh Northampton Airport Authority

138

Upper Saucon Township

64

Lehigh Township

20

Weisenberg Township

10

Lehigh Valley Planning Commission

16

Whitehall Township

106

Lower Macungie Township

22

Whitehall Township Authority

8

Lower Milford Township

5

Williams Township

10

Lower Nazareth Township

14

Wilson Borough

39

15

Members Northeastern Member

Employee Count

Member

Employee Count

Blossburg Borough

8

Lehighton Borough

29

Borough of Archbald

20

Lehman Township - Pike County

22

Borough of Blakely

31

Lehman Township- Luzerne County

10

Borough of Honesdale

11

Lycoming County Housing Authority

23

Borough of South Williamsport

22

Lycoming County Water & Sewer Authority

23

Brodhead Creek Regional Authority

22

Lycoming Regional Police Department

18

Butler Township

23

Mahoning Township

11

City of Carbondale

26

Middle Smithfield Township

26

City of Lock Haven

58

Monroe County Control Center

38

City of Nanticoke

47

Monroe County Transit Authority

35

City of Pittston

36

Montoursville Borough

18

City of Williamsport

192

Northern Tier Solid Waste Authority

66

Clarks Summit Borough

13

Old Lycoming Township

19

Clinton County Solid Waste Authority

62

Olyphant Borough

20

County of Lackawanna Transit System

87

Palmerton Borough

20

Dallas Area Municipal Authority

31

Pocono Mountain RPD

48

Dallas Borough

9

Pocono Township Commissioners

37

Dallas Township

26

Smithfield Township

3

Dickson City Borough

30

Stroud Area Regional Police Dept

47

Dunmore Borough

68

Stroud Township

17

East Stroudsburg Borough

23

Stroudsburg Borough

22

Edwardsville Borough

12

Sugarloaf Township

10

Fairview Township

7

Taylor Borough

23

Greater Hazelton Joint Sewer Authority

35

Throop Borough

19

Hanover Township

55

Tobyhanna Township

9

Hazleton City Authority

47

Troy Borough

7

Hazleton City of

117

Tunkhannock Borough

6

Housing Authority of the County of Lackawanna

50

Weatherly Borough

17

Jersey Shore Borough

5

West Hazleton Borough

12

Kingston Borough

67

Wilkes Barre Township

25

Kingston Township

28

Wright Township

8

Lackawanna River Basin Sewer Authority

26

Wyoming County Redevelopment Authority

7

Lansford Borough

9

Wyoming Valley Sanitary Authority

162

Lansford-Coaldale Joint Water Authority

6

16

Members Schuylkill Member

Employee Count

Member

Employee Count

Ashland Borough

13

Mount Carmel Borough

14

Bloomsburg Municipal Authority

10

Northumberland Borough

10

Blythe Township

8

Pine Grove Borough

8

City of Pottsville

42

Schuylkill County Housing Authority

23

Danville Borough

33

Schuylkill County Municipal Authority

57

Greater Pottsville Area Sewer Authority

15

Schuylkill County Transportation Authority

20

Kulpmont Borough & Kulpmont-Marian Heights JMA

5

Schuylkill Haven Borough

46

Mahanoy Twp Authority

10

Scott Township

18

Mahoning Township - Montour County

17

St. Clair Borough

19

Minersville Borough/Police/Authority

21

Southeastern Member

Employee Count

Member

Employee Count

Cheltenham Township

334

Middletown Township & Sewer Authority

20

Downingtown Borough

40

Southeast Chester County Refuse Authority

21

Downingtown Municipal Water Authority

12

Upper Pottsgrove Township

14

East Bradford Township

17

Valley Township

20

East Fallowfield Township

7

West Bradford Township

29

Lower Makefield Township

72

West Chester Borough

104

Lower Merion Township

347

Western Member

Employee Count

Member

Employee Count

Ambridge Water Authority

19

Creswell Heights Joint Authority

12

Beaver Falls Municipal Authority

30

Erie County Housing Authority

26

Borough of Avalon

10

Franklin Township Municipal Sanitary Authority

16

Borough of Whitehall

22

Greater Greensburg Sewage Authority

21

Borough of Wilkinsburg

50

Green Tree Borough

22

Bradford Township

15

Leetsdale (Borough of )

10

Brentwood (Borough of )

25

Monaca (Borough of )

24

Broad Top Township

11

Moon Township Municipal Authority

34

Canton Township

11

Oakmont Water Authority

27

Chippewa Township

18

Ohio Township

32

City of Connellsville

23

The Municipal Authority of the Township of Robinson

26

City of Titusville

44

Union City Borough & Municipal Authority

12

City of Uniontown

27

Urban Redevelopment Authority of Pittsburgh

97

Crawford Area Transportation Authority

46

Westmoreland County Transit Authority

96

17

Surplus Distribution

Members of PMHIC have the opportunity to receive any surplus money from their claim fund after all non-catastrophic claims have been paid. This does not happen in a typical fully insured plan. For the 2022 plan year, we will return in excess of $27 million in surplus claim funds to 77% of PMHIC members. When you consider your total cost for health expenses in our program, please include these surplus funds in your calculations. Most PMHIC members received a 50% distribution of their 2022 surplus in June. The balance will be distributed before the end of the year when all claims have been closed out. If you were eligible for surplus in 2022 and did not receive the initial distribution in June, you will receive the entire amount before the end of the year.

On behalf of the Board of Directors, thank you for your continued participation in the PMHIC program.

18

Wellness Grant The PMHIC Board of Directors and our carrier partners have generously offered wellness grants to PMHIC member groups since 2016. The following wellness grant funds are available for 2024.

• • • • •

Capital Blue Cross groups = $110,000 Highmark Northeast PA groups = $30,000 Highmark Western PA groups = $10,000 Independence Administrator groups = $30,000 UnitedHealthcare groups = $10,000

Wellness grant funds help PMHIC member groups improve the health and wellness of their employees, which potentially leads to lower claims costs. The funds must be used for wellness activities or equipment that will have a positive impact on overall employee wellness. Examples include: • • • • • •

Biometric screenings AED machines Exercise equipment Fitness trackers Hearing tests Gym memberships

• • • • •

Flu shots First aid kits/training Lunch & Learn education sessions Tobacco cessation classes Nutrition education

In early 2024, you will receive information from your PMHIC account management team with details about the amount of the wellness grant available to you, the application process, eligible wellness expenses, how to submit expenses for reimbursement, and deadlines to submit eligible expenses. We encourage you to take advantage of available wellness grants.

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Account Services What can the Account Services team do for YOU? accountservices@benecon.com | P: 888.400.4647 | F: 888.977.2173

+ Enrollments, changes and terminations Send completed universal benefit forms (UBF) via secure email to Account Services or fax the form for processing.

ID Card Requests

Invoice Questions

Enrollment Related Questions

Need a new ID card for an employee? Send Account Services an email to request a new one. Most insurance carriers take 7-10 business days to generate and mail a new card. Don’t forget to include the employee’s address in your request!

Account Services is here to answer all of your billing/invoice questions!

Any other enrollment related questions, we have you covered!

Box.com Invoice Delivery PMHIC invoices are delivered securely each month using Box.com. Upon receipt of your monthly notification email, you should log in to Box.com to retrieve your most recent invoice as well as review invoices from previous months. To avoid mispayments, please make sure you are accessing the newest invoice each month by following these steps: • • • •

Log in to Box.com and click on “All Files” Click the arrow next to recent files to hide this section. The recent files section shows the last files you opened, not the most recent files uploaded.

Click the “Billing” folder Click the most recent month’s folder “yyyy-mm”

Helpful tips: Including the following information in the memo section of your check helps to ensure payments are applied correctly.

• • 20

The month of the invoice you are paying Your Client Manager Key (this is the 3-digit or 4-digit number located under your Group’s Name in the upper left corner of the Medical Billing Invoice)

Open Enrollment Reminder

Please remember to submit all Open Enrollment changes to AccountServices@benecon.com no later than 12/15/2023; this includes new enrollments, changes, and terminations for an effective date of 1/1/2024. Any Open Enrollment changes submitted after the first of the year cannot be processed.

Anne Walls Senior Enrollment Specialist

Erin Willman Enrollment Specialist

21

The ConnectCare3 Benefit

The health and wellness solution for employers.

ConnectCare3 services are an enhancement to an individual’s medical benefits and available at no additional cost to employees and their dependents covered on a group’s health plan. We offer solutions to help our members build health literacy and reduce barriers to care while aiming to help employers with cost reduction strategies through our wellness solutions services. ConnectCare3 is a unique independent advocate, and we have no affiliation with any insurance carrier or hospital system.

Clinical Services

Wellness Solutions

Patient Advocacy

Collaboration

•

Supports the clinical team and provides resources

•

Nurse Navigation • • •

Assist patients in understanding their diagnosis and treatment options Prepare questions for physicians for second opinions Provide clinical expertise

Chronic Disease Management & Prevention • • •

Multidisciplinary team of registered nurses, registered dietitians, and certified health coaches Assist individuals with prediabetes, diabetes, high blood pressure, high cholesterol, or obesity Provide resources that help support and sustain health

Consultation •

Nutrition Education •

Help patients understand the connection between diet and health by providing nutritional assessments and healthy meal plans

Tobacco Cessation • •

Work one-on-one with certified health coaches to achieve and maintain a tobacco-free life Can be used as reasonable alternative program

ConnectCare3 will evaluate an organization’s needs and assist them in accomplishing a wide range of goals.

This can be straightforward, such as developing an employee engagement strategy and providing readyfor-use educational tools, or as expansive as building a wellness committee and creating a 3-5 year strategic wellness plan.

ConnectCare3 will help employers design wellness programs suited specifically to their organization’s culture and demographics. We can provide wellness campaigns and educational resources on relevant and timely health topics. Employers can use these resources to support their wellness initiatives with minimal added work required for them. We can also assist employers in exploring incentives as an employee engagement tool.

Connection •

ConnectCare3 will equip groups with marketing materials, webinars, and other communication tools to help drive the utilization of ConnectCare3 services.

We also connect employers with additional wellness resources from their insurance carriers, employee assistance program, or within the community that may be available at little to no cost. We can help identify the most appropriate wellness vendors, if needed, for screening services.

For more information, visit connectcare3.com.

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ConnectCare3 Platform & App Empowering a Healthier Workforce

Engage employees with incentives and challenges Increase awareness of ConnectCare3’s clinical services Improve employee health literacy Available online and via Google Play/Apple Store Included as a part of the ConnectCare3 benefit

Features & Functions The “ConnectCare3” App:

©2022 ConnectCare3, LLC - All Rights Reserved

• • • • • • •

HealthyU Learning Modules Incentive Tracking & Reporting Wellness Checkpoint Health Risk Assessment Mayo Clinic Resource Library Wellbeing Challenges Push Notifications Available in English & Spanish To get started, contact your Wellness Solutions Consultant, or email us at solutions@connectcare3.com

9:41

9:41

9:41

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Help your team build the skills they need to manage stress and become more resilient with Koa Foundations, an evidence-based mental wellbeing app from the team of mental health experts at Koa Health.

Want to learn more about this buy-up offering from ConnectCare3?

Contact Solutions@connectcare3.com for more information.

Important information: Foundations services are provided by Koa Health B.V., to learn more about how your personal data is processed, please read the Privacy Policy before creating a Foundations account.

Please note that this service will be available to PAMB, PruBSN and PSA colleagues at a later date.

Life & Disability Program In 2010 the PMHIC Board endorsed Benecon to offer a Life & Disability program for all Members. PMHIC believes there is power and efficiency in group purchasing and encourages all Members to participate.

Program Specifics

1. Provide a significant rate reduction on current Life/STD/LTD Coverage 2. Match each group‘s current plan designs & level of benefits 3. Provide a multi-year rate guarantee 4. Place all Members with one carrier

Information Needed to Provide a Proposal

1. Current employee census (Name, DOB, DOH, Occupation, Salary) 2. Copy of current plan designs (Summary Page of Benefit Booklet) 3. Copy of most recent invoice

Insurance Provider: OneAmerica

1. “A“ financial rating from all rating agencies 2. 141+ years experience 3. $83 billion in assets

Experience: Benecon

Benecon has successfully aggregated the Members of many other Cooperatives to create a significant purchasing power for Life & Disability coverage.

To date 225+ PMHIC Members have taken advantage of this program, generating over $1,000,000 in savings!

For more information please contact:

Stephen Gingrich

sgingrich@benecon.com 717.951.5636

25

Dental & Vision Coverage Through PMHIC

Did you know that PMHIC offers dental and vision coverage?

With plans from United Concordia, Davis Vision and National Vision Administrators, we are sure to have a plan that works for you.

For more information, please contact your Benecon Account Manager.

TM

26

Administrative Services Benecon Administrative Services Product Guide

With Benecon’s Administrative Services, gain access to a full suite of value-added services.

HSA

COBRA

A Health Savings Account is an employee owned, taxadvantaged savings account used in conjunction with a High Deductible Health Plan (HDHP).

The Consolidated Omnibus Reconciliation Act gives employees who lose their benefits the right to choose to continue group health benefits provided by their employer for limited periods of time if the employee experiences a qualifying event.

HRA

Retiree Billing

A Health Reimbursement Arrangement is an employer funded arrangement that may be used to reimburse employees for qualified medical expenses set by the employer.

Monthly billing services for eligible retirees.

FSA

ICHRA

A Flexible Spending Account is an employer offered, tax-advantaged account funded by the employee to pay for qualified medical expenses with pre-taxed dollars.

An Individual Coverage HRA is an employer funded, tax-advantaged arrangement in which employers of any size can reimburse employees for some or all of the premiums that their employees pay for health insurance that they purchase on their own.

DCAP

QSEHRA

A Dependent Care Assistance Plan is an employer offered, tax-advantaged plan funded by the employee to pay for care for eligible dependents, such as children or disabled family members.

A Qualified Small Employer HRA is an employer funded, tax-advantaged arrangement in which employers with under 50 Full Time Employees can reimburse their employees for their health insurance premiums that they purchase on their own.

Tuition Reimbursement Programs

EBHRA

Employer funded, tax-advantaged plan that can pay an employee up to $5,250 in educational assistance benefits each year.

An Excepted Benefit HRA is an employer funded, taxadvantaged arrangement, under which employers provide funds towards the cost of vision, dental or short term limited duration insurance premiums that they purchase on their own.

Commuter Transit / Parking Benefits Employer established, tax-advantaged account funded by the employee and/or the employer to pay for qualified mass transit and parking expenses on a monthly basis.

27

Value Enhancements In addition to our CDH & COBRA offerings, Benecon’s Administrative Services Team provides best-in-class customer service and access to industry-leading mobile and web-based services.

Administrative Portals/CDH Mobile App 24/7 access to Employer & Participant Portals Enhanced Reporting Capabilities Enrollment and Eligibility Management Account Funding and Contribution Management IOS/Android App That Makes Account Management Easy

Plan Management and Consumer Engagement Personalized Customer Service Representatives Available During Working Hours to Assist our Partners and their Clients Personalized CDH Open Enrollment Presentations and Marketing Materials Plan Setup and Renewals with no extra charges (*excluding Mini-COBRA) No Minimum Requirements on Employee Plan Participation Compliance Webinars and Instructional Videos

FSA / HSA Store and HealthShopper Special deals on eligible FSA & HSA products Industry Leading Web Browsers for FSA/HSA Eligible Items Customized Communications for Participants Purchased Products Require Zero Substantiation if paired with a Benecon FSA/ HSA Debit Card

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Enhancing Enhancingthe theConsumer ConsumerExperience Experience Benecon BeneconPortal: Portal:www.my-healthshopper.com/?id=10624 www.my-healthshopper.com/?id=10624 Bringing Bringingtogether togetherthe theleader leaderininhealth healthspending spendingaccounts accountsand andthe theleader leaderininonline onlineretail retailtotodeliver deliver the theeasiest easiestway waytotolearn learnabout, about,shop shopfor, for,choose chooseand andpurchase purchaseHSA/ HSA/FSA FSAeligible eligibleretail retailitems itemsonline. online.

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2024 Health Benefits Seminar

Save the Date

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April 4th & 5th, 2024 Lancaster MarriottMarriott at Pennat Square Lancaster Downtown Penn Square, S. Queen StreetLancaster, Lancaster,PA PA17603 17603 25 25 S. Queen Street,

Notes

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PMHIC.com | 888.400.4647

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