American Worker Insurance: Insurance Services & 2023 Reviews

When you’re an hourly or part-time job, it can seem impossible to have the proper balance of benefits. Similarly, as an employer, you may have numerous obstacles when it comes to providing benefits to your hourly employees; you may have a high-turnover workforce that is geographically distributed and difficult to contact. It might be a good idea to invest in a solid, supportive, and completely integrated system that provides insurance for hourly workers. The American Worker, on the other hand, is a specialist in providing insurance for hourly and part-time employee groups, offering coverage that significantly decreases your out-of-pocket costs. In this piece, you will get to know everything you need about American Worker Insurance in regards to their services, doctors, phone number as well as reviews.

Overview

The American Worker has specialized in providing insurance for hourly employee groups for over 20 years. Generally, they provide a comprehensive service for employers around the country, serving over 250,000 subscribers. Their headquarters is situated in Austin, Texas.  However, they have succeeded in developing a one-of-a-kind solution for clients. The client’s demands are distinct from those of other employers. This is as a private limited, independent third-party administrator (TPA). The American Worker is part of the Fringe Benefit Group. 

Focus

Thanks to more than two decades of experience, they can offer both employers as well as employer-paid benefits. Even plans covered by the country’s largest insurance providers 

Their speciality includes bespoke fully-insured fixed-indemnity medical plans. Plans that are capable of standing alone or being paired with self-funded plans. And also as well stop-loss coverage to protect employees from devastating loss. This mix option provides a cost-effective alternative to typical major medical plans by addressing the primary components of medical plan utilization in the most economical way.

Vision

The American Worker feel that there is a necessity for change, whilst the national discussion on health reform is still ongoing. Employers are trying to keep their major medical coverage. However, they understand the necessity for alternate group plan designs with real-world cost reduction choices in this difficult environment. As a result, American Worker decides to expand and enhance their program and services portfolio. Nevertheless, this is to effectively fill the gap left by high deductibles or co-pays. And at the same time, provide a beneficial choice for significant claim protection.

In addition, American Worker has vowed never to lose sight of the fact that their company’s basic purpose. This, however, is to keep all of the benefits they deliver to business partners as well as their various clientele as affordable as possible. The American Worker Insurance however has several reviews and recommendations from customers

Who is Fringe Benefit Group

Generally, The American Worker is part of the Fringe Benefit Group. Since 1983, they’ve helped hourly workers get the most out of their benefits. However, as a privately held company, as well as a third-party administrator, they’ve been able to provide brokers and their clients with the hardest working ‘A-rated carriers. Also, with over 90 employees and 30 years of experience, Fringe Benefit Group has become the model business in providing hourly workers with the insurance they need.

Fringe Benefit Group Includes:

• Fringe Benefit Group, Inc. – Sales and marketing
• The American Worker – Fixed indemnity and MEC coverage for hourly workers
• The Contractors Plan – Retirement and health benefits for government contractors

American Worker Insurance Services

Below are some of the services American Worker Insurance offers:

#1. Claim Administration

The claims process can indeed be complicated and time-consuming. As a result, American Worker Insurance creat solutions and services in response to the industry’s needs for safe and cost-effective ways. These ways are to make the claims administration process go more smoothly.

Services they offer include

• Dedicated claims representative
• Total claims management
• Multi-step claims review for best possible savings
• Automated PPO routing and repricing
• Turn-around time 7-10 business days
• 99% Payment accuracy

#2. Premium Administration

Undoubtedly, Payroll and billing administration are two essential factors to the success of a benefits program.

Among their services:

Missed Premium Administration & Payroll Cycle

• Employers are able to self-report on a payroll frequency basis.
• Removing issues like collecting payments in advance of coverage or offering prorated refunds.
• Each circumstance is tailored to meet the demands of the client.
• Employees can check their eligibility and pay a missing payment online using a credit or debit card at no extra charge.
• Self-reporting and monthly billing are additional options.

Processing of Automated Payroll Deductions

Due to the general widespread use of technology in the workplace, there was an ideal chance to streamline benefit plan administration. However, according to the client’s payroll timetable, an electronic platform was designed to manage eligibility, payroll deductions, as well as billing.

In addition, benefit programs can be administered on a weekly, bi-weekly, or half-monthly frequency. This is owing to technology. Likewise, American Worker Insurance was successful in removing headaches people face generally with monthly bill reconciliation services. As well as manual deduction processing by administering the programs.

Smart Billing

• One payroll slot is available.
• There are a variety of goods available, as well as a variety of carrier capacities.
• Clients can offer a choice of benefit plans without adding to their administrative load by consolidating several products on one easy-to-reconcile bill.
• The single bill reflects all employee benefits premiums owed as well as controls eligibility for each program chosen. 
• Clients can build a benefits package to satisfy their employees’ demands by offering numerous items through a single bill.

#3. Enrollment

The American Worker make the benefits enrollment process as simple as possible, allowing you to focus on your various business. The online interface, as well as the call centre, make things simple for your administrative staff members, and employees allowing you to focus on running your business smoothly.

 American Worker Insurance has numerous ways to enroll:

Single-Source Call Center

A dedicated call centre, that serves as a single point of contact for benefit clarification and enrollment intakes. Generally, this is used to help with benefit plan enrollment. Meanwhile,  customer support representatives are accessible Monday through Friday from 7 a.m. to 7 p.m. CT. Also, there are licensed professionals with at least two years of expertise in benefits program packages. They take a proactive, no-pressure approach to the benefit election process. Thereby relieving customers of the burden of explaining and enrolling in benefits programs.

Electronic and Online Technology-Based

When it comes to establishing an enrollment technique, technology-based enrollment strategies give you a lot of possibilities. Electronic file transmission as well as, if appropriate, a secure, private online portal may be used. American Worker Insurance works with every customer to examine a range of factors in an attempt to decide which enrollment approach is ideal for them. However, considering the magnitude of their requirements and the competencies of the employer as well as its employees, businesses can apply the most successful enrolment technique for them.

#4. Communication

Normally, It is fact that can not be disputed that effective communication is the key to successful enrollment. That’s why The American Worker put out a three-part marketing campaign scheme to enable employees to understand the enrolling processes or steps.

It however analyzes the benefits of the program and at the same time addresses basic problems, ensuring that everyone is on track and enthused. Communication products can be tailored to each client’s specific needs, incorporating company logos, styles, as well as colors. This nevertheless is to mix in with all the other internal communications materials.

The American Worker Insurance Doctors

When you acquire an insurance policy for doctors from The American Worker, you get administrative solutions that allow you to operate with hourly workers. Meanwhile, the American Worker Insurance robust eligibility management rules are tailored to hourly businesses, ensuring that doctors get the appropriate benefits at the right time. The American Worker Insurance can however provide insurance for hourly and part-time doctors groups, offering coverage that significantly decreases your out-of-pocket costs. Likewise, they have succeeded in developing a one-of-a-kind solution for clients and doctors. They also provide MEC Plans.

MEC Plans

Minimum Essential Coverage (MEC) is a type of health insurance that includes at least one of the Affordable Care Act’s Essential Health Benefits (ACA). However, to avoid penalties, the Affordable Care Act (ACA) mandates all companies to provide and individuals including doctors to retain coverage that fulfills specific conditions.

Penalties for individuals

The “individual mandate” is the penalty for those who don’t have Minimum Essential Coverage. Individuals without the minimum necessary coverage will be penalized when filing their taxes. Throughout 2018, the “individual mandate” penalty stays at 2.5 percent of family income, or $695 for adults and $347.50 for children, whichever is higher.  However, these “individual mandate” penalties have been repealed as of 2019.

Penalties for Employers

Employers having more than 50 full-time comparable employees during the previous calendar year are subject to two penalties under the Affordable Care Act. As a result, a business must evaluate its workforce for the previous calendar year. This is to see if it fulfills the 50-employee criteria for the current calendar year.

Strong Penalty: employers have to provide MEC to at least 95% of full-time workers as well as any dependent children.  However, if a company fails to meet MEC coverage standards, it might face a penalty of $2,260. This amount is to be multiplied by the number of full-time employees for the year, excluding the very first 30.

Weak Penalty: Under the Affordable Care Act, health insurance must provide a minimum level of coverage. This means it must cover specific types of medical expenses and be structured to cover at least 60% of an employee’s healthcare costs. Likewise, the  Affordable Care Act also imposes affordability criteria on health plans. Thereby limiting how much a company may charge an employee for employee-only coverage. 

Usually, the maximum amount a company can charge an employee in 2018 is 9.69 percent of their annual salary. On the hand, the amount an employer can charge for their dependents has no restriction. Nevertheless,  If an organization fails to fulfil the minimum value or affordability requirements, it may be subject to a $3,390 non-deductible penalty. This is for each full-time employee who obtains health insurance through the Marketplace with tax credits.

American Worker Insurance Phone Number

• Sales Team
  • 1-800-551-3424

• Member Call Center
  • 1-866-866-3424

The American Worker Insurance Reviews

The below table reviews show how customers rate American Worker Insurance on selected review sites.

What Is the US Employer Health Insurance System Like?

Frequently, your employer and you split the cost of premiums. The plan options are entirely chosen by your employer. Employer-provided premium contributions are not taxed at the federal level, and you can make your contributions before taxes to reduce your taxable income.

What Are Employee Perks in America?

Long-term and short-term disability insurance, health insurance, life insurance, dental insurance, vision insurance, paid parental leave, commuting/travel help, and gym/wellness perks are among the common employee benefits in the U.S.

Do American Employers Offer Insurance?

Overview of employer mandates. In general, companies must provide affordable health insurance with minimal value to 95% of their full-time workers and their dependents up until the end of the month in which they turn 26 or face fines. The employer mandate is what is referred to as.

American Worker Insurance FAQs

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