America's Benefit Specialist November 2022

PRODUCT NEWS

port partner offering premium billing ser vices. Ease is a benefits administration and HR software that enables health insurance brokers to move enrollment online. Brokers can now seamlessly integrate AdminaHealth’s billing services with other partners on the Ease Marketplace. The integration enables brokers to auto-recon cile carrier invoices, compare actual versus expected employee benefits premium pay roll deductions, and generate consolidated monthly invoices for all coverages. Time savings and increased accuracy are two of the biggest benefits of the Admina Health Billing Suite. Whereas traditionally brokers had to manually determine whether clients were paying the correct amounts, with automated reconciliation they only need to review a small subset: those items that do not auto-reconcile as flagged on the Exceptions Dashboard. In addition, users can generate a con solidated monthly bill that breaks down the amount due to each carrier, including Subconsolidated Bill breakdowns and other member and coverage detail information. The bill can be broken down by department, location, district or any other subset. For more information, visit www.Admin aHealth.com or www.Ease.com. AFLAC DENTAL, VISION AND HEARING PLANS NOW AVAILABLE TO INDIVIDUALS OUTSIDE THE TRADITIONAL WORKSITE Aflac recently announced the launch of its new Dental, Vision and Hearing insurance plans, specifically designed for individuals and families without access to insurance through a traditional worksite. A variety of factors play into the need for benefits options outside of the workplace. According to Pew Research, about 50% of U.S. adults 55 and older are out of the labor force due to retirement, in part because of the pandemic. Additionally, gig and con

tract work is on the rise. The most recent data shows a 33% increase in 1099-K form (indicating revenue collected outside of an employer/employee relationship) filing from 2020 to 2021. What’s more, 16% of Americans say they’ve earned money from an online gig platform. “Whether entering retirement or pursu ing solopreneur, gig or contract work, there is a growing number of Americans earning a living outside of the traditional worksite; but what hasn’t changed is their need for the type of financial security that Aflac prod ucts can help provide,” said Aflac Senior Vice President of Distribution Expansion and Consumer Markets Jeramy Tipton. “Because benefits are traditionally obtained through the employer, these trends leave a gap in accessibility to insurance coverage for many Americans, a gap that Aflac is helping close by introducing popular prod ucts with these individuals in mind.” The new Aflac Dental, Vision and Hearing product includes three plan tiers so individ uals can select the coverage that best meets their needs. For basic dental care and major dental services, out-of-pocket costs paid by the policyholder decrease over time, while the annual maximum benefit paid by Aflac can increase. Additionally, all plans offer preventive service benefits with no out-of pocket costs. Highlights of Aflac’s bundled Dental, Vision and Hearing insurance: • All plans offer preventive dental service benefits with no out-of-pocket costs. • For basic dental care and major dental services, the deductible and percent of costs paid by the policyholder can decrease over time, while the annual maximum benefits paid by Aflac can increase. • Dental plan benefits are the same for in- and out-of-network treatment, giving policyholders flexibility in choosing a provider while enabling lower out-of pockets costs when using a participating network provider.

FRESHBENIES INTRODUCES THREE SOLUTIONS TO CUT HEALTHCARE COSTS AND CONFUSION freshbenies, an employee benefit that sim plifies the healthcare and benefits experi ence for employers and their employees, is launching three new services to cut healthcare costs and confusion: 1. OTHERbenies: employees can now view details of their benefits package in one convenient location via their freshbenies app and portal. The level of detail is 100% customizable with an easy set-up process— from links to websites and SPD documents to perks, vacation policy and more. 2. $0 visit fee Behavioral Telehealth: De livering mental health services through telehealth makes getting vital help more accessible. freshbenies now offers a $0 visit fee option on a PEPM basis to deliv er first-rate access to care. 3. Expert Medical Opinion and Surgery Decision Support (coming soon!): Em ployees get virtual decision support and opinions from 2,000+ expert physicians covering all sub-specialties and rare diseases, as well as guidance on high cost surgical procedures (i.e., knee/hip replacements, lower back, obesity and more). With a $400 built-in incentive for employees who use the service, 20% to 40% of surgeries are avoided. To learn more, visit www.freshbenies. com.

BILLING SOLUTIONS PROVIDER JOINS THE EASE MARKETPLACE AdminaHealth, a provider of premium bill ing solutions for the healthcare, insurance and voluntary benefits marketplace, is join ing the Ease Marketplace as a broker-sup

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