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A better way to give benefits HSA


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Lowering employer health insurance costs while enabling employees to live a healthier wealthier life

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A better way to give benefits HSA

  1. 1. What is Clarion Care<br />A Better Way to Give Benefits<br /><ul><li>Save Time
  2. 2. Save Money
  3. 3. Take Control</li></li></ul><li>The Business Burden<br /><ul><li> High Costs
  4. 4. Outside of core
  5. 5. Employee dissatisfaction</li></ul>Source 2008 Health Insurance Benefits Kaiser Family Foundation<br />But you already know all of this… So<br />
  6. 6. Employer HSA Savings<br />EMPLOYER<br />$5000* Towards a Clarion Care account<br />$9345 Per employee on average<br />$750,000 New health benefits costs<br />$1,350,000 Currently spent on Benefits<br />+ Time, Effort, Research, Guessing<br />- Time, Effort, Research, Guessing<br />$578,400 <br />Minimum Savings in a year<br />* Contributions are set by you on a monthly basis<br />
  7. 7. Clarion HSA Savings<br />INDIVIDUAL(Family)/EMPLOYEE<br />$3996 Towards qualified insurance<br />$3767 For traditional premiums<br />$5000 Tax free through Clarion Care <br />+ Deductibles, co-pays, co-insurance<br />$3500 Spent on medical services a year<br />= $4500??<br />$2004<br />Savings in a year*<br />* Tax savings are not included in calculations<br />
  8. 8. How Clarion Works<br />Instead Of Negotiating This<br />Guides and Informs Employees<br />Single Payment,<br />Multiple Choices<br /> Simple, Easy, Efficient<br />You<br />Contribute This<br />Medical<br />Dental<br />Alternative<br />Emergency<br />
  9. 9. Value Add of Clarion<br />Pay Once<br />Process Health Benefits Distribution<br />Easy Administration<br />Help Educate Employees<br />Secure Web Interface<br />EoY Tax Form Creation<br />Store Medical Records<br />Track Spending<br />Get Medical Surgery Pricing<br />Easily Print out Tax Forms<br />Information Sharing and Community Building<br />Comparison Shop for approved<br />HD and HSA accounts<br />
  10. 10. 7 Things to Know<br />1.) Contributions can earn interest and be invested.<br />2.) Your balance rolls over from year to year.<br />3.) There is no “use it or lose it” provision.<br />4.) Contributions are the property of the accountholder, not the employer.<br />5.) They are portable. Employees keep their HSAs even if they change jobs.<br />6.) HSA’s have debit card access<br />7.) HSA contributions can come tax free from any source.<br />
  11. 11. Why it works<br />For Employees<br />For Businesses<br />Free to choose Dr’s<br />Lower HC expenses<br />Tax free money<br />Health Management Interface<br />Save money<br />Save Time<br />Focus on your core<br />Simple Health Contributions <br />
  12. 12. Contact Clarion Care<br /><br />800.590.4110<br /> <br />