Employee Benefits

Group Health Insurance Benefits Administration

Delivering exceptional value and service to large and medium-sized employers, the AHM Benefits Group has a proven record of successfully matching solutions to specific client needs.

AHM approaches the analysis and design of Employee-benefit programs from the perspective of both the employer and the employee. We find the right balance between cost, quality, and employee satisfaction, while adding value to the organization through the benefits programs.

Employee Benefits Include:

• Health
• Dental
• Disability
• Group Life
• Long Term Care
• Wellness
• Retirement Plans
• Communications
• Benefits Administration

Group Health Insurance

AHM Group Health Insurance specialists utilize an underwriting perspective to help carriers understand specific client exposures, and are well-positioned to negotiate with carriers. We design the most cost-effective solutions for each client situation.

Medical Insurance Products

• Health
• Indemnity
• Preferred Provider Organizations (PPO)
• Exclusive Provider Organizations (EPO)
• Health Maintenance Organizations (HMO)
• Health Reimbursement Arrangements (HRA)
• Health Savings Accounts (HSA)
• Dual Options
• Multi-Situs
• Prescrption Drug Plans
• Long-Term Care
• Long-Term Disability
• Short-Term Disability

Alternative Funding Arrangements

• Dividend Eligible Contracts
• Retros
• Minimum Premiums
• Self-Funded

Dental

• Indemnity
• Preferred Provider Organizations (PPO)
• Dental Health Maintenance Organization (DHMO)
• Dual Options
• Multi-Situs

Administrative Products

• Cobra Administration
• Section 125 Administration
• Third Party Administrative Services
• Wellness Programs

Benefits Administration

Each AHM benefits program begins with an analysis and assessment of your company and your benefit needs. Given your organization's objectives for attracting, retaining and protecting your employees, we help you develop a program to meet your needs, while managing costs.

In developing a long-term strategic plan to help control costs, AHM specialists function as trusted advisers to senior management and work closely with employees to become an integral part of your plan to manage expenses.

Life Insurance

Group Life Insurance

As an employer, there is no asset more valuable than your employees. Group Life insurance is a valuable employee benefit that can benefit both you and your employees. A valuable fringe benefit to new hires, Group Life insurance is eligible for Federal income-tax deductible premiums for you -- the employer. In addition, it reduces turnover, saving you money in hiring and training costs, and contributes to employee security, loyalty, and higher morale.

Don't Take the Hit from HIT

Don’t Take The Hit From HIT. Self-Insure!!

By: Thomas Goedde CLU, ChFC

One of the traditional reasons that employers cite for self-funding their Employee Medical Care plan is the avoidance of state premium tax. One of lesser-known elements of the Patient Protection and Affordable Care Act, is a new FEDERAL tax on health insurers that starts at $8Billion in 2014, and rises to $15 billion by 2018. Of course, insurance carriers pay the tax (Health Insurer’s Tax: HIT), but pass the cost on to their customers in the form of higher premiums.