EF Fall 07.indd - National Association of Professional Allstate ...

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association benefitsIndustry Leading Healthcare Solutionsfor NAPAA MembersNAPAA is proud to announce that ithas partnered with Plan Service Providersand Empyrean Benefit Solutions to providemembers with the NAPAA/AAFDHealth Benefits Program. After monthsof exhausting deliberation, negotiationsand research, NAPAA is finally able tooffer an affordable national healthcarebenefits program that integrates product,service and technology to Members Only.The benefits program:• is available in all 50 states;• offers innovative health care coverageat a variety of price points for individualsand groups; and• includes consumer driven healthcare options via HSA qualified healthplans and tax-advantaged Health SavingsAccounts (HSA).The new program will offer NAPAAmembers and their staff more choices foraffordable health care. Members can enrollin these services online and by telephone.By offering members and their employeesa wide range of choices, includinghigh deductible health plans (that worktogether with HSAs), and access to healthinformation resources such as HealthGrades, members can gain more controlover their own healthcare spending andmake better healthcare decisions.What is a Health Savings Accountand how does it work?After selecting a high deductible HSAqualified health plan, agents and theiremployees may be eligible to establish atax-advantaged HSA. An HSA is likea savings plan for medical expenses. It’ssimilar to a 401(k) plan or an IRA—withthe advantage that you can choose whetherto use the funds now or let them accumulatefor the future. Either way, contributions,earnings and withdrawals foreligible health care expenses are generallytax free. Your savings grow year after yearand can be used to pay for eligible healthcare expenses now, or in the future.Remember, in order to open an HSA,you must first be enrolled in a qualifiedHSA Health PlanAdditional Benefit SolutionsAre Also AvailableHealthcare choice has been rated asthe #1 employee issue. Healthcare is avery personal matter, and to meet thatneed we have built a robust portfolio ofbenefits from highly rated carriers nationwide.In addition to HSA plans, ourplans range from traditional PPO majormedical plans, defined benefit indemnityplans, dental, vision, term life, and more.EnrollmentThe enrollment process is easy, flexible,confidential and responsive.With this program, you have access to18 — Exclusivefocus Fall 2007
our integrated, secure platform that deliversyou the freedom to choose the benefitprograms that best meet your needs,while understanding their costs.The platform uses the “shopping cart”feature so that members can choose theplans that suit their needs, even if theplans are offered by different insurancecompanies, and enroll in all of them atthe same time.Enrolling is easy – simply call theNAPAA Customer Service Center at(866) 915-1849 or enroll online via theinternet at www.empyreanbenefits.com/healthportal/napaa.Member AssistanceSometimes questions, problems or issuesmay occur with your coverage. Ourapproach is to provide you with an “Advocate”to help and assist you to resolvethese issues that you may encounter withyour health plan. Again, this is donethrough our Customer Service Center. Inmost cases, the CSR will contact the planwith you to document and sort out the issues.You will never be left alone to handleproblems you may encounter, and we willmanage this with you to conclusion.The Customer Service Center is basedin the USA and staffed by experiencedcustomer service personnel. Our qualifiedrepresentatives are trained to assistmembers in a variety of ways includingsearching for physicians, hospitals, dentistsand prescription drug prices, conductingonline enrollments or answeringany other questions you may have.Customer Service Representatives areavailable from 8:30am – 5:00 pm CentralStandard Time, Monday-Friday. Internetaccess is available 24/7.Value-Added Wellness ProgramsOnce a member is enrolled, thereare a number of online tools and physicianservices that can help members stayhealthy and keep the money in theirHSA growing in value for later use orfor retirement.Not only do we want to help NAPAAmembers improve their health, we wantthem to get the most out of their healthcareprogram. We do this through education,care management and prevention.There are many wellness incentiveprograms available that encourage andreward healthier lifestyle choices.To improve your health takes morethan good intentions; it takes proventools and resources to make informedhealthcare decisions. That’s why theNAPAA Health Program provides itsmembers with access to comprehensiveeducational resources, including onlinehealth and wellness information.Help is One Step AwaySimply call the NAPAA CustomerService Center at 1-866-915-1849 or enrollonline via the Internet at www.empyreanbenefits.com/healthportal/napaa.NAPAA/AAFDCall1-866-915-1849napaa1-866-915-1849Powered by:Available for Individuals and GroupsPresented by:P S PPlan Service Providers, LLCEndorsed by:Fall 2007 Exclusivefocus — 19
Page 1: ExclusivefocusFall 2007An Official
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Page 42 and 43: technologyDSL - Reliable, Cost-Effe
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