ARIA LogoButterfly hi-res.jpg

Request A Consultation
(505) 821-9330

Summary of Services

At ANGELA ROMERO INSURANCE AGENCY, INC., we prove our value every day with the following comprehensive range of services:

 

DELIVER LATEST INFORMATION ON HEALTH CARE REFORM

  • Provide guidance on requirements and notices
  • Summarize key compliance deadlines and delays
  • Email special alerts when requirements change
  • Provide annual checklist for each year’s requirements
 

RESEARCH AND ANALYZE CLIENT’S GROUP BENEFITS NEEDS AND PHYSICIAN NETWORKS

  • Review current plans and level of satisfaction
  • Determine key person’s objectives
  • Collect census
 

SURVEY THE MARKETPLACE FOR APPROPRIATE PLANS AND CARRIERS

  • Analyze available carriers and plans
  • Evaluate and compare plans inside and outside of the Health Insurance Exchange
  • Confirm that key person’s physicians are in proposed network
 

PRESENT PLAN ALTERNATIVES THAT MEET CLIENT’S BENEFITS AND BUDGETARY NEEDS

  • Prepare presentation
  • Explain plan differences
 

DEFINE ELIGIBILITY

  • Explain requirements for group coverage
  • Identify acceptable waivers
  • Review participation requirements
 

PREPARE MASTER APPLICATION, SUPPORTING DOCUMENTS AND EMPLOYEE ENROLLMENT

  • Assemble group application, which defines the terms of the plan
  • Include eligibility rules supplied by group with the application
  • Collect enrollments completed by each employee, defining the employee’s status and named dependents
 

EDUCATE EMPLOYEES ABOUT THEIR PLAN

  • Install the plan upon acceptance by the carrier(s)
 

PREPARE AND MAINTAIN WRAP SPDS AND WRAP PLAN DOCUMENTS

  • Prepare Wrap Summary Plan Description to comply with ERISA requirements
  • Prepare Wrap Plan Document to comply with ERISA requirements
  • Provide amended Wrap Documents in the event of any changes to ERISA-required provisions or material changes to plan information and benefits
  • Provide distribution guidelines for Wrap SPDs
 

SUPPORT EMPLOYEE BENEFITS AND HR NEEDS

  • Be available to respond to questions regarding the plan, claims and eligibility
  • Keep clients ahead of the curve by notifying them of changes to the law regarding issues that will directly impact their businesses
  • Provide HR and benefits monthly newsletter and online HR library
  • Provide summary of major required health plan notices
  • Provide customer support throughout the plan year related to matters such as enrollment changes, claims and insurance I.D. cards
  • Provide support when COBRA issues come up (or mini-COBRA needs, depending on your state)
 

HELP WITH OPEN ENROLLMENT ISSUES

  • Provide support at open enrollment time, including explaining choices and assisting enrollment
 

FACILITATE RENEWAL AND ELIGIBILITY VERIFICATION

  • Provide explanation of renewal
  • Design plan alternatives in line with budget and priorities