Employee Benefits

As your trusted advisor, we are acutely aware that health and welfare benefits account for the greatest portion of employee benefits expenditures. Our innovative solutions, which combine creativity and accountability, are designed to yield effective benefit programs tailored to meet your specific and unique needs.

To help you navigate today’s complex employee benefits market, we supply customized resources for the decision-making process, a strong portfolio of preferred national insurance carrier partnerships, as well as progressive benefit communication tools and resources - all designed to empower you to deliver the most effective employee benefit program possible. Our network of resources enables us to leverage size and scale, resulting in the ability to offer unparalleled access to the best strategies, products and technology in the industry.

Employee Benefits

Group Benefits: We understand that you are tasked with a multitude of business pressures when designing effective benefit platforms. From attracting qualified applicants to managing overall operational costs, the challenge becomes providing more for less. Our alliances offer a comprehensive spectrum of cost-effective products for employers of all sizes.

Health Benefits: Through a partnership with Kunkel, Bounds & Associates, Inc., WHA Financial Solutions offers clients unparalleled expertise in employee health benefits. Through active management of claims and data--working with the claims administrator and engaging with and managing areas of high cost--we are able to return significant savings to the client’s bottom line. By monitoring the effectiveness and outcomes of these areas, clients are provided insight into the performance of their program.

Voluntary Benefits: Many employers are looking to shift more of the responsibility for benefits selection to the employee. Our voluntary programs can either be designed to work in conjunction with traditional employer-paid programs or expand available benefit options. Specializing in providing innovative plan design, delivery, enrollment, and administration of voluntary payroll deducted employee benefits, we focus on each step of the process in order to ensure uniformity of procedures and practices.

Fee-Based Solutions

In addition to the traditional, commission-based insurance, WHA Financial Solutions offers a fee-based program. We realize that for some clients it is important to know up front what the fees are and what to expect in return. Our fee-based program delivers employee benefit solutions that alleviate risk and improve efficiency through strategic review of the benefit program needs and objectives.

Our clients can expect:

Comprehensive, straightforward claims analysis for strong cost control
Program modeling to maximize your benefits investment while understanding employee utilization impacts
Benchmarking tools to measure your benefit programs against those of your peers
Employee surveys to gain their perspective
Strategic communications and benefit delivery tools to improve employee involvement and satisfaction

Proprietary Programs

Eye Care Program: WHA Financial Solutions has designed proprietary vision programs that promise to offer comprehensive benefits at rates you won’t match anywhere else.

The Family Protection Plan: This term life insurance with critical illness coverage will increase the quality of your employees’ benefit package without increasing your cost. This plan will address each of the shortcomings of your existing plan and will be paid by the participating employees via payroll deduction. Plan features include:

Term insurance to age 100
Critical illness benefit
Employee chooses the level of benefits
Portable
Family protection
No medical exam or blood profile required
Emergency death benefit
FREE $1,000 of group life insurance

Short-Term Medical

Did you know that making short-term medical plans to your employees bridges gaps in medical coverage and reduces the number of individuals who may risk going without coverage and may be exposed to financial hardships? And did you know that your hospital benefits when existing employees elect the short-term option instead of COBRA by eliminating their utilization from your medical plan?

Coverage can be purchased for as few as 30 days or as many as 185 days (varies by state). This coverage provides a safety net until permanent coverage is arranged.

Who is Eligible:

Healthy individuals between the ages of 15 days and under 65, who have a temporary insurance need
Between jobs or laid off
Recent college graduates without coverage
Waiting for employer group coverage
A temporary or seasonal employee
Recently retired and not yet eligible for Medicare
A dependent falling off parent’s plan
Children through age 20 (age 24 if full-time student) may be covered as dependents on parent’s plan
Foreign residents living in the U.S. for at least one year with proof of Alien Registration Receipt Card, Green Card, Visa or other appropriate documentation

Who is Ineligible:

Persons who have not been in the country for 12 months
Persons who would be declined for an individual medical policy or previously declined by another carrier
Persons who will turn 65 or become eligible for Medicare during the benefit period
Persons who are pregnant or who are looking to become pregnant
Persons seeking coverage while traveling outside the U.S.
Persons engaging in hazardous activities, sports, or occupations

Plan Highlights:

Short-term medical is simple, flexible and affordable. You choose the plan that best meets your needs and budget by selecting from the features below. Best of all, you can obtain coverage as early as the next day!

Length of Coverage Options: 30 – 185 days (varies by state)
Choice of Deductibles: $250, $500, $1,000 and $2,500 (varies)
Rate of Payment choice: 80/20 to $5,000, 100/0, 50/50 to $5,000 (varies)
This is not a PPO or HMO – you can visit the doctor or hospital of your choice.
You have a choice of single or monthly payment options.

Short-Term Medical Applications: Click here to view a comparison of available plans.