WELCOME TO THE BENEFIT STORE
Pioneering Innovative Solutions
There's far more behind our 360 PHP than "enhanced benefits". Our hearts are compassionate for humans, and what they face in and out of the workplace. We are the Change Agents. Together, with our Agency partners, we're standing behind a product anticipated to create "Generational Impact". 360 PHP is a Mental, Physical, and Preventative Health initiative placing all of us, as a collective, at the forefront of shaping our future. (OUR) Impact Is Greater Together.
Most importantly, 360 PHP is an innovative and comprehensive, strategically designed benefits plan that exemplifies the strict guidelines set by ERISA, ACA, and IRS required to be in full compliance.
The Benefit Store, alongside our exclusive fulfillment partner, Oaceus Insurance Services, are pioneering innovative solutions in risk mitigation. Change starts with our proprietary 360 Preventative Health Plan.
YOUR AGENCY ADVANTAGES
We understand the crucial role our Group Benefits Agencies play in the distribution of benefits to employers across America. We provide unmatched Agency support, while maximizing opportunity by providing a comprehensive, meticulously designed, and ERISA, ACA, IRS-compliant "enhanced" benefits package that every Agency and their Team can present with confidence.
Since we're an "enhancement", not a replacement, our rules are fairly easy compared to writing a medical plan.
OPEN ENROLLMENT IS NOT REQUIRED FOR INSTALLATION:
✅ Not limited to typical 4th quarter enrollment periods.
✅ "Enhanced" benefits package, not a replacement. Easily add to your existing offerings.
✅ Employee eligibility determined via Payroll Data uploaded to our site via secure link.
✅ Data is used to then "auto-enroll" the entire group. Only forms needed would be for opt-outs (fairly rare). Auto-enrollment creates a significantly greater participation rate, ultimately creating a higher compensation for the agency and brokers.
✅ Can be written for ANY effective date. Any day of the month, client anniversary date, during renewal open enrollment period, or any time before or after at "$0 additional net costs" to your groups or their employees.
You will not have to:
✅ Reconcile a DE9c, provide a prior carrier bill, or disclose claims over 25,000.
✅ Employees out of state, pregnant or on COBRA do not affect eligibility or participation requirements.
✅ No need to mirror medical enrollment, employers simply attest they've offered major medical to all F/T employees.
* Exclusive to Group Benefits Agencies
360 PHP IMPACTS BOTTOM LINES
Our Signature Product
The 360 PHP - Powered By Oaceus
360 PHP enhances employee productivity by swiftly addressing health concerns, minimizing the need for time off work for medical appointments. With 24/7/365 access to virtual healthcare, employees can conveniently seek medical advice and treatment, preventing minor issues from becoming serious. The inclusion of mental health services supports employees in managing stress and mental health challenges, essential for maintaining focus and energy at work.
Additionally, preventative care resources encourage healthy behaviors, reducing illness and promoting overall well-being. By fostering a healthier workforce, 360 PHP sustains high productivity and job satisfaction.
Furthermore, an employer can benefit from
cost reductions associated with...
✅ Absenteeism, Presenteeism, Lack of Productivity, Lowered Team Morale & Workers Comp Claims.
WHY CHOOSE THE BENEFIT STORE
Comprehensive and Compliant Benefits Plan
Employers not only want comprehensive benefits for their workforce that foster positive environments that promote optimal health, emotional state, and overall well-being, but is compliant. On our site, you can find the "Internal Revenue Codes" that we have used to build the most robust 360 preventative health plan that fully IRS compliant. This is vital when you're considering who to work with in the installation of these benefits.
Holistic Approach to Preventative Healthcare
We believe in a 360 holistic approach to optimal health. Treating an entire person from integrating physical, mental, and emotional aspects, to considering lifestyle, environmental, and social factors.
Diving further we're enhancing quality of life, and taking into account for future health issues that we can prevent.
The Perfect Benefits Package
Our 360 PHP covers the whole family. Our comprehensive benefits provide holistic care including preventative services, mental health support, and unmatched lifestyle resources.
Our 360 PHP provides a path for employees to earn rewards for maintaining a healthy lifestyle, while also ensuring their families are also receiving the same level of care, and access.
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