Broker Holdings

Brokers Holding Group

http://www.brokersholding.com

Brokers Holding Group is dedicated to you and providing exclusive, fully-funded ERISA medical products that fit your clients' needs. BHG provides competitive products to build your business and protect your clients from the added costs of the ACA.

Fully-Funded ERISA Plans

What is a fully-funded ERISA plan?

  • Alternative to traditional fully-insured plans
  • Same benefits and coverages available
  • Works with most group sizes
  • Money is collected in a claim liability fund, rather than a pool, with specific and aggregate protection.

Why is this important now?

The ACA works on four basic principles that increase rates:

  • Unisex rating - men and women are charged the same rates ..
  • 3:1 age banding - changed from the traditional 5.6:1.
    • Younger (typically under 50 year olds in our system) applicants would be penalized.
  • Guaranteed issue - under the ACA fully insured providers must take all.
  • Community rates - fully insured plans offer age rating to all customers without health consideration.
  • Fully-funded ERISA plans offer a legal way to provide the best benefits for employees as individuals with composite ratings.

Fully-funded ERISA plans avoid many of the negative impacts of the ACA while still complying with the law.

Carriers and TPAs represented:

 

1490866003162

 

1490866003166

 

1490866003170

 

 
1490866003174

 

1490866003178

 

1490866003182

 

 
1490866003185

 

1490866003190

 

1490866003194

 

 
1490866003198

 

1490866003201

 

1490866003204

 

 

Telephone

Main-line:    704-375-1112

Customer Service
Ext 104
Sales
Ext. 105
Admin
Ext. 107
The Buck Stops Here!
Ext. 103

 

 

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