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Solutions
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From Consulting to Enrollment

Benefits Consulting

Your priority should be managing your business. Our focus is simplifying the complexities of employee benefits for you. A partnership with Bay Benefits Insurance Solutions LLC means you can easily achieve your benefit objectives without negatively impacting the growth and success of your business.
Focusing on a full spectrum of consulting services, our expertise includes benefit and renewal planning, carrier rate negotiations, compliance assistance, employee communication and benefit administration, all designed to maximize the competitiveness and value of your employee benefit package.

Ancillary Benefit Programs

Ancillary benefit programs, when designed properly, provide employees with the ability to fill any needed gaps in coverage at rates lower than what they would be able to obtain on their own. Additionally, by offering products and services like critical illness insurance, hospital indemnity insurance, life and disability insurance, long term care insurance, dental and vision insurance, businesses can increase employee morale, productivity and work efficiency… enhancing the firm’s growth and competitiveness.

Medicare

With the increasing number of individuals continuing to work past age 65, there’s a good chance your business either has or will have Medicare eligible employees on the payroll. There’s also a good chance that either the individual or the benefits representative at your company will have questions about Medicare benefits, enrollment or related issues. Medicare is loaded with confusing language, similar plan names, and critical deadlines. We can educate and assist you and your employees to evaluate the best coverage, compare carriers, navigate the enrollment process and field any questions that may arise.

Health Care Reform / Compliance Guidance

The complexity of regulations that impact employers as a result of the Affordable Care Act, IRS and other employee related legislation can be a tremendous burden carrying stiff penalties, fees and interest for non-compliance. On top of that, rules and regulations are constantly changing from year to year, requiring an on-going, regular review of practices. Our team of experts can help you develop an effective strategy for maintaining compliance in a way that allows you to progress toward your business goals.

Large Employer Solutions

Large group employers require consultants to think “outside the box” when designing an employee benefit package. The same package that works for one company will not be the correct fit for another firm. Tailoring a benefit strategy to fit each unique client is our specialty. Utilizing innovative and cost-efficient benefit solutions, combined with the proper funding method, benefit administration technology, compliance resources and carrier relationships, we can design a comprehensive program designed specifically around your needs and those of your employees.

Professional Employer Organization (PEO)

A Professional Employer Organization (PEO) partners with small businesses to streamline human resources, employee benefits, and payroll administration under a co-employment model. PEOs can handle the human resources and administrative tasks that take away from the time you could be using to grow your business. These solutions not only give you peace of mind with your HR Administration but can also help your business grow faster, decrease turnover, and reduce employment-related liability.

Alternative Funding

Today, there are a multitude of different funding strategies available to groups of virtually all sizes. With our knowledge and expertise, we can work with you to discover if an alternative funding model can benefit the unique demographics and utilization of your workforce. Properly fitted, one of these alternative funding solutions could help you generate substantial cost savings and greater transparency without sacrificing the level of benefits you offer your employees.