Wilgan Insurance Inc Ensuring Your Trust and Confidence Is Our Primary Concern
Our Services
e-Capabilities
-
Customized Web Benefit Portal
-
Automatic Electronic COBRA Administration
-
Ability to Run Your Benefit Programs From Your Mobile Device
-
Bernie Portal/Guardian Benefits Center
-
Full integration of all Employee Benefits on an Integrated Single Platform
-
Customized Mobile App Technology
Compliance
-
ERISA
-
COBRA/Continuation
-
Sec. 6055/6056 Reporting
-
Summary Plan Descriptions
Employee Benefit Plans
-
Group Medical
-
Health Reimbursement Arrangements
-
Defined Contribution Medical Plans
-
Health Savings Accounts
-
Group Dental-Vision-Disability-Life
-
Section 105 Plans
-
ASO/Self Insured Plans
Business/Professional Plans
-
Qualified Sick Pay Plan
-
Deferred Compensation
-
Buy-Sell Funding
-
Key Man Life Insurance
-
Business Continuation
Individual Plans
-
Charitable Giving
-
Long Term Care
-
Life Insurance
-
Estate Funding
Fully Funded
A fully funded small group health insurance plan is a type of health coverage where the employer pays the entire premium for the policy. This plan typically covers a small number of employees, offering comprehensive benefits such as medical, dental, and vision care. The employer assumes no financial risk associated with providing health insurance. The only financial risk for the employer is paying the premium. The insurance company assumes all the financial risk and costs with paying for healthcare. Fully funded plans often include a range of preventive services, ensuring that employees have access to necessary healthcare without additional out-of-pocket costs.
Fully Funded Small Group - Made with Clipchamp
Level Funded Plans
Level funded plans are a type of health insurance arrangement where employers pay a fixed monthly premium to a third-party administrator, which then covers employee healthcare expenses. These plans combine aspects of both fully insured and self-funded plans, offering the potential for cost savings and flexibility in benefit design for employers while providing predictability in budgeting.
Level Funded Plans - Made with Clipchamp
Aetna Level Funded Video
Anthem Level Funded Video
United Health Care Level Funded Video
ICHRA
The Individual Coverage Health Reimbursement Arrangement (ICHRA) is a flexible health benefits solution introduced in 2020 that allows employers to reimburse employees for individual health insurance premiums and other qualified medical expenses. Unlike traditional group health plans, ICHRA enables employees to choose health plans that best meet their needs from the individual market, giving them more personalized coverage options. This arrangement can also be tailored to offer different reimbursement amounts based on employee classes, such as full-time, part-time, or seasonal workers, thus providing employers with a customizable approach to health benefits.
QSEHRA
The Qualified Small Employer Health Reimbursement Arrangement (QSEHRA) is a tax-advantaged benefit option for small businesses with fewer than 50 employees to reimburse employees for medical expenses and health insurance premiums. It allows employers to offer health benefits without providing a group health insurance plan, providing flexibility and cost control while enabling employees to access individual health coverage.
ICHRA - Made with Clipchamp
