AOCA Employee Benefits Program

We have leveraged the large population of AOCA membership to develop insurance and non-insurance programs that provide each member firm with resources to assist in meeting the financial, compliance, and budget challenges present in the current employee benefits environment.

Employee benefits is serious business with substantial penalties and fines for non-compliance. The AOCA Employee Benefits Program includes multi-faceted compliance solutions to help mitigate your exposure to these challenges.

The AOCA Employee Benefits Program is customizable and flexible. Select the plans that meet your company’s needs and budget.

Medical Insurance                                                                                                          

Medical benefits are a key factor to any Employee Benefits Package. The AOCA medical program has been developed around alternative funding strategies which include:

• Level Funding Program
• Self-Funding
• Captives
• Health Reimbursement Arrangements (HRAs)
• Health Savings Accounts (HSAs)
• ICHRA

Stop letting insurance companies control this important high budget item!

Dental Insurance                                                                                                             

We have negotiated with a national dental insurance provider to create an AOCA dental insurance program for the membership. The key components of the plan are these:

• Creative Plan Designs
• Preferred Pricing
• National Provider Directories
• Choice of Dentist
• High Plan Maximums

Design a plan that your employees value!

Complementary Benefits                                                                                             

Complementary benefit programs that provide employees value and don’t stress the budget.

Consider offering employees benefits that fill in the gaps not covered by traditional insurance plans. 

• Vision
• Life and AD&D
• Employee Assistance Plans
• Disability
• Mental Wellness
• Accident
• Critical Illness

401k Benefits                                                                                                                    

The AOCA 401k plan developed under the new Federal Secures Act allows AOCA to leverage membership and deliver a special 401k program with the following features:

• Custom plan design
• Mitigate fiduciary liability
• Integration with payroll vendors
• Meet States’ pension mandates
• Financial wellness
• Asset charges 50% lower than market
• Investment counseling
• Reduces administrative burden
• Administrative fees 50% lower than market vendors

Compliance                                                                                                                        

Benchmarking and assessing your company’s compliance status is difficult.

Given the sheer number of requirements, AOCA determined it is important to include resources that assist you in avoiding fines and litigation.

The AOCA Employee Benefits Program’s compliance services include:

• Annual Compliance Audit
• Consolidated Appropriations Act (CAA) Risk Protection Program
• Compliance Dashboard
• Legal Resources

Have questions about these programs?

Please contact: 
Brittany Huerta, RHU, REBC
brittany@maniaciinsurance.com
Office: 866-541-4824 ext. 231
Direct: 424-371-9976

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Benefit Bundle Disclosures:  This program is not insurance coverage, not intended to replace insurance, and does not meet the minimum creditable coverage requirements under the Affordable Care Act or Massachusetts M.G.L. c. 111M and 956 CRM 5.00. It contains a 30-day cancellation period, provides discounts only at the offices of contracted health care providers, and each member is obligated to pay the discounted medical charges in full at the point of service. The range of discounts for medical or ancillary services provided under the program will vary depending on the type of provider and medical or ancillary service received. Member shall receive a reimbursement of all periodic membership fees if membership is cancelled within the first 30 days after the effective date. Discount Plan Organization: New Benefits, Ltd., Attn: Compliance Department, PO Box 803475, Dallas, TX 75380-3475, 800-800-7616. Website to obtain participating providers: MyBenefitsWork.com. © 2022 Teladoc, Inc. All rights reserved. Teladoc and the Teladoc logo are registered trademarks of Teladoc, Inc. and may not be used without written permission. Teladoc does not replace the primary care physician. Teladoc does not guarantee that a prescription will be written. Teladoc operates subject to state regulation and may not be available in certain states. Teladoc does not prescribe DEA controlled substances, non-therapeutic drugs and certain other drugs which may be harmful because of their potential for abuse. Teladoc physicians reserve the right to deny care for potential misuse of services.