For years, we’ve watched human resources managers and business owners dread "The Renewal." You know the feeling: that thick envelope arrives from your carrier, usually containing a 15% or 20% rate increase, and you’re left with two bad choices. You either pass the cost onto your employees or you slash benefits to keep the budget under control. It is a losing game that leaves everyone frustrated.
At Total Benefit Solutions Inc., we believe there is a better way to do business. We’ve always been committed to never accepting "no" as an answer (a core philosophy we call our advocacy approach) and that means searching for tools that actually solve the problem rather than just putting a band-aid on it.
That is exactly why we are thrilled to announce our new partnership with Remodel Health. By combining their industry-leading ICHRA+ (Individual Coverage Health Reimbursement Arrangement) platform with our personalized advocacy, we are finally giving HR teams the administrative relief they’ve been begging for.
What is Remodel Health and Why Did We Choose Them?
Remodel Health isn't just another insurance software company. They are a specialized administrator that helps businesses move away from the "one-size-fits-all" model of traditional group health insurance. Instead of the company buying one plan for everyone, the company provides tax-free dollars (the HRA part of ICHRA) and the employees choose the individual plan that fits their specific doctor, prescriptions, and budget.
We chose to represent Remodel Health for three specific reasons:
- The Technology: Their platform is built for scale and accuracy.
- The Integration: It talks to the tools you already use (like UKG and ADP).
- The People: Like us, they value "white-glove" service over automated "no's."
As independent brokers, we shop the entire market to find what works best for you. After vetting several ICHRA providers, Remodel Health stood out because they don't just provide a portal; they provide a complete ecosystem.
Administrative Relief: The End of "Benefit Exhaustion"
If you’re in HR, you know that the "administrative burden" of health insurance isn't just a buzzword; it’s a full-time job. Between managing open enrollment, answering constant questions about deductibles, and chasing down premium payments, it’s a wonder anything else gets done.
The Remodel Health platform was designed to take that weight off your shoulders. Their Autopay feature is a game-changer. In a traditional ICHRA setup, employees often have to pay for their own premiums upfront and then wait for the company to reimburse them. This creates a massive headache for payroll and can cause financial strain for employees.
With Remodel Health, the process is automated. The employer transfers the total contribution amount to a secure, FDIC-insured account, and Remodel Health pays the carriers directly with over 99% payment accuracy. Your team never has to worry about whether a premium was paid or if an employee forgot to submit a receipt.
Integration Magic: UKG, ADP, and Paylocity
One of the biggest hurdles in switching benefits platforms is the "data silo" problem. You don't want to spend hours manually typing names, birthdates, and salary info from your payroll system into your benefits system.
Remodel Health solves this through deep integrations with the most popular HRIS (Human Resource Information Systems) and payroll providers. Whether your office runs on UKG Pro, ADP, or Paylocity, the data syncs automatically.
- UKG Integration: Native data sync between UKG’s Workforce Operating Platform and Remodel Health ensures employee data and payroll deductions are always aligned.
- Paylocity Integration: Real-time data exchange via the Paylocity Integration Marketplace eliminates manual entry and roster errors.
- 200+ Other Systems: Even if you use a smaller or more specialized payroll tool, Remodel Health likely has a connection ready to go.
This means when you hire a new employee in your payroll system, they are automatically queued for enrollment in the benefits system. No double-entry, no "forgotten" enrollments, and significantly fewer compliance risks.
The "White-Glove" Experience: Advocacy + Technology
While we love the technology Remodel Health brings to the table, we know that software alone isn't enough. People need people, especially when it comes to healthcare. This is where the partnership between Total Benefit Solutions Inc. and Remodel Health really shines.
When you work with us, you aren't just getting a software login. You are getting a team of advocates who will:
- Design the Plan: We help you determine the exact dollar amount to contribute for each "class" of employee (for example, you can offer different amounts for full-time vs. part-time staff).
- Onboard Your Team: We host educational sessions so your employees actually understand how their new benefits work.
- Provide Licensed Advisors: Your employees can talk to real, licensed benefits advisors to help them pick the right plan based on their preferred doctors and prescriptions.
We act as the bridge between the complex world of insurance regulations and your daily operations. If an insurance company gives your employee a hard time about a claim, we step in. We don't accept "no," and we don't let our clients get stuck in bureaucratic loops.
Why This Matters for Your Budget
Cost predictability is the holy grail of business management. With traditional group plans, your costs are dictated by the health of the entire group. One catastrophic illness in your company can send next year's premiums through the roof.
With the ICHRA model provided by Remodel Health, you set the budget. If you decide to contribute $400 per month per employee, that is exactly what you pay. There are no "surprise" mid-year hikes or unexpected renewal spikes that exceed your revenue growth. This allows you to plan your business finances years in advance with total confidence.
Furthermore, employees often save money too. Because they are shopping on the individual market, they can choose plans that are subsidized by federal tax credits (if they qualify) or select "bronze" level plans if they are healthy and want to save on premiums.
Compliance Made Simple
Navigating the Affordable Care Act (ACA) and ERISA (Employee Retirement Income Security Act) requirements is enough to keep any HR manager up at night. Remodel Health includes built-in compliance support, providing you with:
- Required plan documents and ICHRA notices.
- Data for Form 1094/1095 filings (the forms required by the IRS to prove you offer affordable coverage).
- Pre-filled forms for PCORI fees and Medicare reporting.
This ensures your business stays on the right side of the law without you having to become a legal expert in healthcare regulations.
Is It Time to Remodel Your Benefits?
The "big box" brokers will tell you that traditional group insurance is the only way. We’re here to tell you that there is a more modern, efficient, and compassionate way to take care of your people.
By partnering with Remodel Health, Total Benefit Solutions Inc. is bringing a new level of sophistication to employee benefits. We combine the high-tech automation of a national platform with the high-touch advocacy of a local consulting firm.
If you are tired of the renewal rollercoaster and want to give your HR team the administrative relief they deserve, it’s time to look at an ICHRA. We can run a comprehensive analysis of your current plan and show you exactly how much you could save: and how much stress you could eliminate.
Don't wait for the next renewal notice to start the conversation. Let’s build a benefits strategy that works for your budget and your people.
To learn more about how we can transform your employee benefits, visit our website at www.totalbenefits.net or give us a call directly at (215) 355-2121. We are ready to be your advocate.
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