Safeguarding Your Workforce
We have the right team in place for the complexities of your corporate culture and your unique insurance market. We can navigate the shifting tides of compliance and benefits requirements by understanding how each measure impacts your productivity, ability to hire and keep talent, and your company’s bottom line.
Did You Know? 49% cite keeping up to date and in compliance with changing legislation as a top challenge, according to a 2016 survey.
Compliance is becoming increasingly difficult and increasingly regulated. Human Resource professionals are trapped by constantly changing compliance procedures, workflows, and procedural management of employees.
Whether it’s ACA requirements, 401(k), COBRA, ERISA, or any other acronym, Horst Insurance knows it and can navigate it. With our Total Benefits Approach, we alleviate some of the burden placed on Human Resource teams while keeping your company compliant.
Gain Compliance Confidence with our Total Benefits Approach
Our approach allows you to rest assured your workforce is receiving appropriate benefits for their needs, while still controlling costs.
Our team takes the time to get to know you and your personnel, as well as your processes, benefit administration procedures, and compliance documentation to evaluate how your most important asset – your employees – contributes to your costs.
Using what we’ve learned about your team, we highlight the positive attributes of your team and navigate the marketplace to find the right coverage for your needs.
We equip you with the right resources, information, and tactics to build a wellness plan and program design that encourage positive outcomes in your workplace.
We continuously re-evaluate your coverage to ensure your company stays in compliance even as your company, procedures, and regulations change.
We Bring the Experience
Through our Total Benefits Approach, we take all aspects of Human Resources into consideration. We have the experience necessary to help you regain control of your benefits budget while ensuring your employees – and your company – are protected.
Employee Group Benefits Coverage
- Group Insured and Self-Funded Health Plans
- HRAs & HSAs
- Group Life
- Group Vision
- Group Dental
- Pension, 401(k) and 403(b) Plans
- Identity Theft Protection
- Travel Health Insurance
- Voluntary Benefits Plans
- AD&D Plans
While coverage options are similar in every marketplace, we know no two benefits marketplaces are the same. Our team members are experts on the uniqueness of the marketplace in the geographic areas we serve. We can navigate the marketplace to ensure you are getting the appropriate coverage for your specific circumstances.
We are an Extension of Your Team
As your trusted advisors, we want you to consider Horst as an extension of your team. We assist you with benefits enrollment, compliance, and administration with a process that makes administration efficient and effective.
Clients trust us because we go above and beyond: we are unique in our claims advocacy on your behalf. Horst Insurance hires experts whose singular responsibility is claims advocacy, including those related to experimental procedures or medications, denials of claims, and catastrophic claims assistance.
Keeping Your Workforce Safe is a Team Effort
Our clients look to us to provide insight into improving efficiency, benefits program performance, and employee wellness. Where available, we analyze loss data to look for either red flags or areas of opportunity. We also offer resources and education for safety and wellness, to equip you to lead your workforce into a culture of improved safety and wellness.
We Equip You
By fully understanding your unique workforce makeup and needs, we can equip you with the resources to feel confident about compliance and your wellness strategies, including some of the following:
- Employee Claims Advocate
- Watch Health Service Platform
- Health Care Reform Guidance and Employee Education
- Legislative Guidance
- Human Resource Consulting
- Wellness Resources
- Employee Handbook Assistance
- Enrollment Resources
- HRA/HSA Modeling
- HR Toolkits
- Annual ACA Compliance Checklists
- Employee Benefits Enrollment Guide
- Live Well, Work Well Newsletter
- Benefits Trends Information
- Employee Safety Manual
- Section 6056 Reporting Workbook
Designing a Workplace Wellness Plan is helpful for encouraging healthier lifestyles, but there are federal laws that impact that design. Read about them here. Download Now
Use this tool to assess your company’s current plan design, and view additional resources available. Download Now
Offering a High Deductible Health Plan (HDHP) with a Health Savings Account (HSA) provides a tax advantage for employees, but it requires significant preparation from your company. We’ve put together TWO resources to assist you with the effort.
1. HSA Implementation Checklist: This article is helpful for someone new to offering HSAs, covering key topics such as your level of involvement, HDHP design, and communicating the plan to employees.
2. Compliance Q&As from the IRS: This extensive document gives a breakdown on topics such as eligibility, contributions, distributions, and account administration to stay compliant.
Whether you’re new to HSA or want to ensure you are compliant, this download will help you determine your next steps.